Words in reg. 2 inserted (28.3.2013) by The Public Bodies (The Office of Fair Trading Transfer of Consumer Advice Scheme Function and Modification of Enforcement Functions) Order 2013 (S.I. 2013/783), arts. 1(2), 13(2)(a)

Words in reg. 2 substituted (28.3.2013) by The Public Bodies (The Office of Fair Trading Transfer of Consumer Advice Scheme Function and Modification of Enforcement Functions) Order 2013 (S.I. 2013/783), arts. 1(2), 13(2)(b)

Words in reg. 2 inserted (28.3.2013) by The Public Bodies (The Office of Fair Trading Transfer of Consumer Advice Scheme Function and Modification of Enforcement Functions) Order 2013 (S.I. 2013/783), arts. 1(2), 13(2)(c)

Word in reg. 2(1) substituted (1.4.2014) by The Enterprise and Regulatory Reform Act 2013 (Competition) (Consequential, Transitional and Saving Provisions) (No. 2) Order 2014 (S.I. 2014/549), art. 1(1), Sch. 1 para. 35(2)(a) (with art. 3)

Words in reg. 2(1) omitted (1.4.2014) by virtue of The Enterprise and Regulatory Reform Act 2013 (Competition) (Consequential, Transitional and Saving Provisions) (No. 2) Order 2014 (S.I. 2014/549), art. 1(1), Sch. 1 para. 35(2)(b) (with art. 3)

Words in reg. 2(1) inserted (1.4.2014) by The Enterprise and Regulatory Reform Act 2013 (Competition) (Consequential, Transitional and Saving Provisions) (No. 2) Order 2014 (S.I. 2014/549), art. 1(1), Sch. 1 para. 35(2)(c) (with art. 3)

Reg. 2(1A)(1B) inserted (with application in accordance with reg. 1(3) of the amending S.I.) by The Consumer Protection (Amendment) Regulations 2014 (S.I. 2014/870), regs. 1(3), 2(9)

Punctuation in reg. 2(1) inserted (with application in accordance with reg. 1(3) of the amending S.I.) by The Consumer Protection (Amendment) Regulations 2014 (S.I. 2014/870), regs. 1(3), 2(2)(a)

Words in reg. 2(1) inserted (with application in accordance with reg. 1(3) of the amending S.I.) by The Consumer Protection (Amendment) Regulations 2014 (S.I. 2014/870), regs. 1(3), 2(2)(b)

Words in reg. 2(1) substituted (with application in accordance with reg. 1(3) of the amending S.I.) by The Consumer Protection (Amendment) Regulations 2014 (S.I. 2014/870), regs. 1(3), 2(3)

Words in reg. 2(1) inserted (with application in accordance with reg. 1(3) of the amending S.I.) by The Consumer Protection (Amendment) Regulations 2014 (S.I. 2014/870), regs. 1(3), 2(4)

Words in reg. 2(1) substituted (with application in accordance with reg. 1(3) of the amending S.I.) by The Consumer Protection (Amendment) Regulations 2014 (S.I. 2014/870), regs. 1(3), 2(5)

Words in reg. 2(1) substituted (with application in accordance with reg. 1(3) of the amending S.I.) by The Consumer Protection (Amendment) Regulations 2014 (S.I. 2014/870), regs. 1(3), 2(6)

Words in reg. 2(1) substituted (with application in accordance with reg. 1(3) of the amending S.I.) by The Consumer Protection (Amendment) Regulations 2014 (S.I. 2014/870), regs. 1(3), 2(7)

Words in reg. 2(1) inserted (with application in accordance with reg. 1(3) of the amending S.I.) by The Consumer Protection (Amendment) Regulations 2014 (S.I. 2014/870), regs. 1(3), 2(8)

http://www.legislation.gov.uk/uksi/2008/1277/regulation/2/2014-10-01The Consumer Protection from Unfair Trading Regulations 2008texttext/xmlenStatute Law DatabaseCONSUMER PROTECTION2022-12-13Expert Participation2014-10-01These Regulations implement Directive 2005/29/EC of the European Parliament and of the Council concerning unfair business-to-consumer commercial practices (OJ No L 149, 11.6.2005, p22) (“the Directive”). These Regulations also implement article 6.2 of Directive 1999/44/EC of the European Parliament and of the Council on certain aspects of the sale of consumer goods and associated guarantees (OJ No L171, 7.7.1999, p12) (“the Sale of Goods Directive”).PART 1GENERAL2Interpretation1

In these Regulations—

average consumer” shall be construed in accordance with paragraphs (2) to (6);

business” includes

a

a trade, craft or profession, and

b

the activities of any government department or local or public authority;

CMA” means the Competition and Markets Authority;

code of conduct” means an agreement or set of rules (which is not imposed by legal or administrative requirements), which defines the behaviour of traders who undertake to be bound by it in relation to one or more commercial practices or business sectors;

code owner” means a trader or a body responsible for—

a

the formulation and revision of a code of conduct; or

b

monitoring compliance with the code by those who have undertaken to be bound by it;

commercial practice” means any act, omission, course of conduct, representation or commercial communication (including advertising and marketing) by a trader, which is directly connected with the promotion, sale or supply of a product to or from consumers, whether occurring before, during or after a commercial transaction (if any) in relation to a product;

“consumer” means an individual acting for purposes that are wholly or mainly outside that individual’s business;

DETINI” means “the Department of Enterprise, Trade and Investment in Northern Ireland;

“digital content” means data which are produced and supplied in digital form;

“enforcement authority” means the CMA, every local weights and measures authority and DETINI;

“goods” means any tangible moveable items, but that includes water, gas and electricity if and only if they are put up for sale in a limited volume or set quantity;

invitation to purchase” means a commercial communication which indicates characteristics of the product and the price in a way appropriate to the means of that commercial communication and thereby enables the consumer to make a purchase;

“local weights and measures authority” means a local weights and measures authority in Great Britain (within the meaning of section 69 of the Weights and Measures Act 1985);

materially distort the economic behaviour” means in relation to an average consumer, appreciably to impair the average consumer's ability to make an informed decision thereby causing him to take a transactional decision that he would not have taken otherwise;

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

premises” includes any place and any stall, vehicle, ship or aircraft;

“product” means—

a

goods,

b

a service,

c

digital content,

d

immoveable property,

e

rights or obligations, or

f

a product of the kind mentioned in paragraphs (1A) and (1B),

but the application of this definition to Part 4A is subject to regulations 27C and 27D;.

professional diligence” means the standard of special skill and care which a trader may reasonably be expected to exercise towards consumers which is commensurate with either—

a

honest market practice in the trader's field of activity, or

b

the general principle of good faith in the trader's field of activity;

ship” includes any boat and any other description of vessel used in navigation;

“trader”—

a

means a person acting for purposes relating to that person’s business, whether acting personally or through another person acting in the trader’s name or on the trader’s behalf, and

b

except in Part 4A, includes a person acting in the name of or on behalf of a trader;

transactional decision” means any decision taken by a consumer, whether it is to act or to refrain from acting, concerning—

a

whether, how and on what terms to purchase, make payment in whole or in part for, retain or dispose of a product; or

b

whether, how and on what terms to exercise a contractual right in relation to a product.

(but the application of this definition to regulations 5 and 7 as they apply for the purposes of Part 4A is subject to regulation 27B(2))

1A

A trader (“T”) who demands payment from a consumer (“C”) in full or partial settlement of C’s liabilities or purported liabilities to T is to be treated for the purposes of these Regulations as offering to supply a product to C.

1B

In such a case the product that T offers to supply comprises the full or partial settlement of those liabilities or purported liabilities.

2

In determining the effect of a commercial practice on the average consumer where the practice reaches or is addressed to a consumer or consumers account shall be taken of the material characteristics of such an average consumer including his being reasonably well informed, reasonably observant and circumspect.

3

Paragraphs (4) and (5) set out the circumstances in which a reference to the average consumer shall be read as in addition referring to the average member of a particular group of consumers.

4

In determining the effect of a commercial practice on the average consumer where the practice is directed to a particular group of consumers, a reference to the average consumer shall be read as referring to the average member of that group.

5

In determining the effect of a commercial practice on the average consumer—

a

where a clearly identifiable group of consumers is particularly vulnerable to the practice or the underlying product because of their mental or physical infirmity, age or credulity in a way which the trader could reasonably be expected to foresee, and

b

where the practice is likely to materially distort the economic behaviour only of that group,

a reference to the average consumer shall be read as referring to the average member of that group.

6

Paragraph (5) is without prejudice to the common and legitimate advertising practice of making exaggerated statements which are not meant to be taken literally.

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<note class="commentary F" eId="key-6a7b9fdaaa11a68a83deb64680554635">
<p>
Words in reg. 2 inserted (28.3.2013) by
<ref href="http://www.legislation.gov.uk/id/uksi/2013/783">The Public Bodies (The Office of Fair Trading Transfer of Consumer Advice Scheme Function and Modification of Enforcement Functions) Order 2013 (S.I. 2013/783)</ref>
,
<ref href="http://www.legislation.gov.uk/id/uksi/2013/783/article/1/2">arts. 1(2)</ref>
,
<ref href="http://www.legislation.gov.uk/id/uksi/2013/783/article/13/2/a">13(2)(a)</ref>
</p>
</note>
<note class="commentary F" eId="key-c579419a3225b5140e323891b395201c">
<p>
Words in reg. 2 substituted (28.3.2013) by
<ref href="http://www.legislation.gov.uk/id/uksi/2013/783">The Public Bodies (The Office of Fair Trading Transfer of Consumer Advice Scheme Function and Modification of Enforcement Functions) Order 2013 (S.I. 2013/783)</ref>
,
<ref href="http://www.legislation.gov.uk/id/uksi/2013/783/article/1/2">arts. 1(2)</ref>
,
<ref href="http://www.legislation.gov.uk/id/uksi/2013/783/article/13/2/b">13(2)(b)</ref>
</p>
</note>
<note class="commentary F" eId="key-098e6f6e7c4eaf5bf8ee0382838bd1f0">
<p>
Words in reg. 2 inserted (28.3.2013) by
<ref href="http://www.legislation.gov.uk/id/uksi/2013/783">The Public Bodies (The Office of Fair Trading Transfer of Consumer Advice Scheme Function and Modification of Enforcement Functions) Order 2013 (S.I. 2013/783)</ref>
,
<ref href="http://www.legislation.gov.uk/id/uksi/2013/783/article/1/2">arts. 1(2)</ref>
,
<ref href="http://www.legislation.gov.uk/id/uksi/2013/783/article/13/2/c">13(2)(c)</ref>
</p>
</note>
<note class="commentary F" eId="key-358d2460eb5bf3a4deab907a556a57fa">
<p>
Word in reg. 2(1) substituted (1.4.2014) by
<ref href="http://www.legislation.gov.uk/id/uksi/2014/549">The Enterprise and Regulatory Reform Act 2013 (Competition) (Consequential, Transitional and Saving Provisions) (No. 2) Order 2014 (S.I. 2014/549)</ref>
,
<ref href="http://www.legislation.gov.uk/id/uksi/2014/549/article/1/1">art. 1(1)</ref>
,
<ref href="http://www.legislation.gov.uk/id/uksi/2014/549/schedule/1/paragraph/35/2/a">Sch. 1 para. 35(2)(a)</ref>
(with
<ref href="http://www.legislation.gov.uk/id/uksi/2014/549/article/3">art. 3</ref>
)
</p>
</note>
<note class="commentary F" eId="key-2af0f2ea94ed57d67281056a56c875c7">
<p>
Words in reg. 2(1) omitted (1.4.2014) by virtue of
<ref href="http://www.legislation.gov.uk/id/uksi/2014/549">The Enterprise and Regulatory Reform Act 2013 (Competition) (Consequential, Transitional and Saving Provisions) (No. 2) Order 2014 (S.I. 2014/549)</ref>
,
<ref href="http://www.legislation.gov.uk/id/uksi/2014/549/article/1/1">art. 1(1)</ref>
,
<ref href="http://www.legislation.gov.uk/id/uksi/2014/549/schedule/1/paragraph/35/2/b">Sch. 1 para. 35(2)(b)</ref>
(with
<ref href="http://www.legislation.gov.uk/id/uksi/2014/549/article/3">art. 3</ref>
)
</p>
</note>
<note class="commentary F" eId="key-1611ff53debe5ce71d0e7c4869adb53e">
<p>
Words in reg. 2(1) inserted (1.4.2014) by
<ref href="http://www.legislation.gov.uk/id/uksi/2014/549">The Enterprise and Regulatory Reform Act 2013 (Competition) (Consequential, Transitional and Saving Provisions) (No. 2) Order 2014 (S.I. 2014/549)</ref>
,
<ref href="http://www.legislation.gov.uk/id/uksi/2014/549/article/1/1">art. 1(1)</ref>
,
<ref href="http://www.legislation.gov.uk/id/uksi/2014/549/schedule/1/paragraph/35/2/c">Sch. 1 para. 35(2)(c)</ref>
(with
<ref href="http://www.legislation.gov.uk/id/uksi/2014/549/article/3">art. 3</ref>
)
</p>
</note>
<note class="commentary F" eId="key-fbaad3ec6e58495c919e48fee8220f25">
<p>
Reg. 2(1A)(1B) inserted (with application in accordance with reg. 1(3) of the amending S.I.) by
<ref href="http://www.legislation.gov.uk/id/uksi/2014/870">The Consumer Protection (Amendment) Regulations 2014 (S.I. 2014/870)</ref>
,
<ref href="http://www.legislation.gov.uk/id/uksi/2014/870/regulation/1/3">regs. 1(3)</ref>
,
<ref href="http://www.legislation.gov.uk/id/uksi/2014/870/regulation/2/9">2(9)</ref>
</p>
</note>
<note class="commentary F" eId="key-47ba63e0e5d17a931e849e72ea24fe5b">
<p>
Punctuation in reg. 2(1) inserted (with application in accordance with reg. 1(3) of the amending S.I.) by
<ref href="http://www.legislation.gov.uk/id/uksi/2014/870">The Consumer Protection (Amendment) Regulations 2014 (S.I. 2014/870)</ref>
,
<ref href="http://www.legislation.gov.uk/id/uksi/2014/870/regulation/1/3">regs. 1(3)</ref>
,
<ref href="http://www.legislation.gov.uk/id/uksi/2014/870/regulation/2/2/a">2(2)(a)</ref>
</p>
</note>
<note class="commentary F" eId="key-2450f6cf6b9ba1a5bad45560d547e07e">
<p>
Words in reg. 2(1) inserted (with application in accordance with reg. 1(3) of the amending S.I.) by
<ref href="http://www.legislation.gov.uk/id/uksi/2014/870">The Consumer Protection (Amendment) Regulations 2014 (S.I. 2014/870)</ref>
,
<ref href="http://www.legislation.gov.uk/id/uksi/2014/870/regulation/1/3">regs. 1(3)</ref>
,
<ref href="http://www.legislation.gov.uk/id/uksi/2014/870/regulation/2/2/b">2(2)(b)</ref>
</p>
</note>
<note class="commentary F" eId="key-5260957e6d624f2126f3283619e27325">
<p>
Words in reg. 2(1) substituted (with application in accordance with reg. 1(3) of the amending S.I.) by
<ref href="http://www.legislation.gov.uk/id/uksi/2014/870">The Consumer Protection (Amendment) Regulations 2014 (S.I. 2014/870)</ref>
,
<ref href="http://www.legislation.gov.uk/id/uksi/2014/870/regulation/1/3">regs. 1(3)</ref>
,
<ref href="http://www.legislation.gov.uk/id/uksi/2014/870/regulation/2/3">2(3)</ref>
</p>
</note>
<note class="commentary F" eId="key-a48b983e87e82c99c2ba3840e5cbdc97">
<p>
Words in reg. 2(1) inserted (with application in accordance with reg. 1(3) of the amending S.I.) by
<ref href="http://www.legislation.gov.uk/id/uksi/2014/870">The Consumer Protection (Amendment) Regulations 2014 (S.I. 2014/870)</ref>
,
<ref href="http://www.legislation.gov.uk/id/uksi/2014/870/regulation/1/3">regs. 1(3)</ref>
,
<ref href="http://www.legislation.gov.uk/id/uksi/2014/870/regulation/2/4">2(4)</ref>
</p>
</note>
<note class="commentary F" eId="key-3e1e346d1ad7dc592e1bf47241a6c60f">
<p>
Words in reg. 2(1) substituted (with application in accordance with reg. 1(3) of the amending S.I.) by
<ref href="http://www.legislation.gov.uk/id/uksi/2014/870">The Consumer Protection (Amendment) Regulations 2014 (S.I. 2014/870)</ref>
,
<ref href="http://www.legislation.gov.uk/id/uksi/2014/870/regulation/1/3">regs. 1(3)</ref>
,
<ref href="http://www.legislation.gov.uk/id/uksi/2014/870/regulation/2/5">2(5)</ref>
</p>
</note>
<note class="commentary F" eId="key-a29afa31eabe6ece53cf17ce19ca1b90">
<p>
Words in reg. 2(1) substituted (with application in accordance with reg. 1(3) of the amending S.I.) by
<ref href="http://www.legislation.gov.uk/id/uksi/2014/870">The Consumer Protection (Amendment) Regulations 2014 (S.I. 2014/870)</ref>
,
<ref href="http://www.legislation.gov.uk/id/uksi/2014/870/regulation/1/3">regs. 1(3)</ref>
,
<ref href="http://www.legislation.gov.uk/id/uksi/2014/870/regulation/2/6">2(6)</ref>
</p>
</note>
<note class="commentary F" eId="key-9cc45dcbeb89dd8fa3a577e134352276">
<p>
Words in reg. 2(1) substituted (with application in accordance with reg. 1(3) of the amending S.I.) by
<ref href="http://www.legislation.gov.uk/id/uksi/2014/870">The Consumer Protection (Amendment) Regulations 2014 (S.I. 2014/870)</ref>
,
<ref href="http://www.legislation.gov.uk/id/uksi/2014/870/regulation/1/3">regs. 1(3)</ref>
,
<ref href="http://www.legislation.gov.uk/id/uksi/2014/870/regulation/2/7">2(7)</ref>
</p>
</note>
<note class="commentary F" eId="key-cef25b6b74996b185e555f8184e8919c">
<p>
Words in reg. 2(1) inserted (with application in accordance with reg. 1(3) of the amending S.I.) by
<ref href="http://www.legislation.gov.uk/id/uksi/2014/870">The Consumer Protection (Amendment) Regulations 2014 (S.I. 2014/870)</ref>
,
<ref href="http://www.legislation.gov.uk/id/uksi/2014/870/regulation/1/3">regs. 1(3)</ref>
,
<ref href="http://www.legislation.gov.uk/id/uksi/2014/870/regulation/2/8">2(8)</ref>
</p>
</note>
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<dc:description>These Regulations implement Directive 2005/29/EC of the European Parliament and of the Council concerning unfair business-to-consumer commercial practices (OJ No L 149, 11.6.2005, p22) (“the Directive”). These Regulations also implement article 6.2 of Directive 1999/44/EC of the European Parliament and of the Council on certain aspects of the sale of consumer goods and associated guarantees (OJ No L171, 7.7.1999, p12) (“the Sale of Goods Directive”).</dc:description>
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<strong>PART 1</strong>
</num>
<heading>GENERAL</heading>
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<num>2</num>
<heading>Interpretation</heading>
<paragraph eId="regulation-2-1">
<num>1</num>
<content>
<p>In these Regulations—</p>
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<p>
<term refersTo="#term-average-consumer">average consumer</term>
” shall be construed in accordance with paragraphs (2) to (6);
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<term refersTo="#term-business">business</term>
” includes
<ins class="key-47ba63e0e5d17a931e849e72ea24fe5b-1562582103830 first last">
<noteRef href="#key-47ba63e0e5d17a931e849e72ea24fe5b" marker="F8" class="commentary attribute F"/>
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<num>a</num>
<p>
a trade, craft or profession
<ins class="key-2450f6cf6b9ba1a5bad45560d547e07e-1562582207518 first">
<noteRef href="#key-2450f6cf6b9ba1a5bad45560d547e07e" marker="F9" class="commentary attribute F"/>
, and
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<ins class="key-2450f6cf6b9ba1a5bad45560d547e07e-1562582207518 last">the activities of any government department or local or public authority;</ins>
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<noteRef href="#key-1611ff53debe5ce71d0e7c4869adb53e" marker="F6" class="commentary attribute F"/>
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<ins class="key-1611ff53debe5ce71d0e7c4869adb53e-1562578535508">CMA</ins>
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<term refersTo="#term-code-of-conduct">code of conduct</term>
” means an agreement or set of rules (which is not imposed by legal or administrative requirements), which defines the behaviour of traders who undertake to be bound by it in relation to one or more commercial practices or business sectors;
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<p>
<term refersTo="#term-code-owner">code owner</term>
” means a trader or a body responsible for—
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<p>
<term refersTo="#term-commercial-practice">commercial practice</term>
” means any act, omission, course of conduct, representation or commercial communication (including advertising and marketing) by a trader, which is directly connected with the promotion, sale or supply of a product to or from consumers, whether occurring before, during or after a commercial transaction (if any) in relation to a product;
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“consumer” means an individual acting for purposes that are wholly or mainly outside that individual’s business;
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<noteRef href="#key-6a7b9fdaaa11a68a83deb64680554635" marker="F1" class="commentary attribute F"/>
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<ins class="key-6a7b9fdaaa11a68a83deb64680554635-1562578125592">DETINI</ins>
</abbr>
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<term refersTo="#term-invitation-to-purchase">invitation to purchase</term>
” means a commercial communication which indicates characteristics of the product and the price in a way appropriate to the means of that commercial communication and thereby enables the consumer to make a purchase;
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“local weights and measures authority” means a local weights and measures authority in Great Britain (within the meaning of section 69 of the Weights and Measures Act 1985);
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<term refersTo="#term-materially-distort-the-economic-behaviour">materially distort the economic behaviour</term>
” means in relation to an average consumer, appreciably to impair the average consumer's ability to make an informed decision thereby causing him to take a transactional decision that he would not have taken otherwise;
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. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
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<term refersTo="#term-premises">premises</term>
” includes any place and any stall, vehicle, ship or aircraft;
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“product” means—
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<ins class="substitution key-a29afa31eabe6ece53cf17ce19ca1b90-1562582329308">a service,</ins>
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<ins class="substitution key-a29afa31eabe6ece53cf17ce19ca1b90-1562582329308">digital content,</ins>
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<ins class="substitution key-a29afa31eabe6ece53cf17ce19ca1b90-1562582329308">immoveable property,</ins>
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<ins class="substitution key-a29afa31eabe6ece53cf17ce19ca1b90-1562582329308">rights or obligations, or</ins>
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<ins class="substitution key-a29afa31eabe6ece53cf17ce19ca1b90-1562582329308 last">but the application of this definition to Part 4A is subject to regulations 27C and 27D;.</ins>
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<term refersTo="#term-professional-diligence">professional diligence</term>
” means the standard of special skill and care which a trader may reasonably be expected to exercise towards consumers which is commensurate with either—
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<term refersTo="#term-ship">ship</term>
” includes any boat and any other description of vessel used in navigation;
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<ins class="substitution key-9cc45dcbeb89dd8fa3a577e134352276-1562582349978">means a person acting for purposes relating to that person’s business, whether acting personally or through another person acting in the trader’s name or on the trader’s behalf, and</ins>
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<item>
<p>
<term refersTo="#term-transactional-decision">transactional decision</term>
” means any decision taken by a consumer, whether it is to act or to refrain from acting, concerning—
</p>
<blockList class="ordered">
<item>
<num>a</num>
<p>whether, how and on what terms to purchase, make payment in whole or in part for, retain or dispose of a product; or</p>
</item>
<item>
<num>b</num>
<p>whether, how and on what terms to exercise a contractual right in relation to a product.</p>
</item>
</blockList>
<p>
<ins class="key-cef25b6b74996b185e555f8184e8919c-1562582483190 first last">
<noteRef href="#key-cef25b6b74996b185e555f8184e8919c" marker="F15" class="commentary attribute F"/>
(but the application of this definition to regulations 5 and 7 as they apply for the purposes of Part 4A is subject to regulation 27B(2))
</ins>
</p>
</item>
</blockList>
</content>
</paragraph>
<paragraph eId="regulation-2-1A">
<num>
<ins class="key-fbaad3ec6e58495c919e48fee8220f25-1562582048200 first">
<noteRef href="#key-fbaad3ec6e58495c919e48fee8220f25" marker="F7" class="commentary attribute F"/>
1A
</ins>
</num>
<content>
<p>
<ins class="key-fbaad3ec6e58495c919e48fee8220f25-1562582048200">A trader (“T”) who demands payment from a consumer (“C”) in full or partial settlement of C’s liabilities or purported liabilities to T is to be treated for the purposes of these Regulations as offering to supply a product to C.</ins>
</p>
</content>
</paragraph>
<paragraph eId="regulation-2-1B">
<num>
<ins class="key-fbaad3ec6e58495c919e48fee8220f25-1562582048200">1B</ins>
</num>
<content>
<p>
<ins class="key-fbaad3ec6e58495c919e48fee8220f25-1562582048200 last">In such a case the product that T offers to supply comprises the full or partial settlement of those liabilities or purported liabilities.</ins>
</p>
</content>
</paragraph>
<paragraph eId="regulation-2-2">
<num>2</num>
<content>
<p>In determining the effect of a commercial practice on the average consumer where the practice reaches or is addressed to a consumer or consumers account shall be taken of the material characteristics of such an average consumer including his being reasonably well informed, reasonably observant and circumspect.</p>
</content>
</paragraph>
<paragraph eId="regulation-2-3">
<num>3</num>
<content>
<p>Paragraphs (4) and (5) set out the circumstances in which a reference to the average consumer shall be read as in addition referring to the average member of a particular group of consumers.</p>
</content>
</paragraph>
<paragraph eId="regulation-2-4">
<num>4</num>
<content>
<p>In determining the effect of a commercial practice on the average consumer where the practice is directed to a particular group of consumers, a reference to the average consumer shall be read as referring to the average member of that group.</p>
</content>
</paragraph>
<paragraph eId="regulation-2-5">
<num>5</num>
<intro>
<p>In determining the effect of a commercial practice on the average consumer—</p>
</intro>
<subparagraph eId="regulation-2-5-a">
<num>a</num>
<content>
<p>where a clearly identifiable group of consumers is particularly vulnerable to the practice or the underlying product because of their mental or physical infirmity, age or credulity in a way which the trader could reasonably be expected to foresee, and</p>
</content>
</subparagraph>
<subparagraph eId="regulation-2-5-b">
<num>b</num>
<content>
<p>where the practice is likely to materially distort the economic behaviour only of that group,</p>
</content>
</subparagraph>
<wrapUp>
<blockContainer class="BlockText">
<p>a reference to the average consumer shall be read as referring to the average member of that group.</p>
</blockContainer>
</wrapUp>
</paragraph>
<paragraph eId="regulation-2-6">
<num>6</num>
<content>
<p>Paragraph (5) is without prejudice to the common and legitimate advertising practice of making exaggerated statements which are not meant to be taken literally.</p>
</content>
</paragraph>
</hcontainer>
</part>
</portionBody>
</portion>
</akomaNtoso>