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Consumer Credit Act 1974
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Changes over time for: Section 55C
Changes to legislation:
Consumer Credit Act 1974, Section 55C is up to date with all changes known to be in force on or before 30 December 2024. There are changes that may be brought into force at a future date. Changes that have been made appear in the content and are referenced with annotations.
Changes to Legislation
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Changes and effects yet to be applied to Section 55C:
- s. 25(2A)(b) (ia) inserted by 2010 c. 28 Sch. 2 para. 36
Changes and effects yet to be applied to the whole Act associated Parts and Chapters:
Whole provisions yet to be inserted into this Act (including any effects on those provisions):
- s. 25(2A)(b) (ia) inserted by 2010 c. 28 Sch. 2 para. 36
[F155CCopy of draft consumer credit agreementU.K.
(1)Before a regulated consumer credit agreement, other than an excluded agreement, is made, the creditor must, if requested, give to the debtor without delay a copy of the prospective agreement (or such of its terms as have at that time been reduced to writing).
(2)Subsection (1) does not apply if at the time the request is made, the creditor is unwilling to proceed with the agreement.
(3)A breach of the duty imposed by subsection (1) is actionable as a breach of statutory duty.
(4)For the purposes of this section an agreement is an excluded agreement if it is—
(a)an agreement secured on land,
(b)an agreement under which a person takes an article in pawn,
(c)an agreement under which the creditor provides the debtor with credit which exceeds £60,260 [F2and which is not a residential renovation agreement], or
(d)an agreement entered into by the debtor wholly or predominantly for the purposes of a business carried on, or intended to be carried on, by him.
[F3(5)Article 60C(5) and (6) of the Regulated Activities Order applies for the purposes of subsection (4)(d).]]
Textual Amendments
F1S. 55C inserted (1.2.2011) by The Consumer Credit (EU Directive) Regulations 2010 (S.I. 2010/1010), regs. 6, 99(1) (with regs. 100, 101)
F2Words in s. 55C(4)(c) inserted (20.4.2015 for specified purposes, 21.12.2015 for specified purposes, 21.3.2016 in so far as not already in force) by The Mortgage Credit Directive Order 2015 (S.I. 2015/910), art. 1(5), Sch. 1 para. 2(3) (with Pt. 4)
F3S. 55C(5) substituted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013 (S.I. 2013/1881), arts. 1(2)(6), 20(23)
Modifications etc. (not altering text)
C1S. 55C excluded (E.W.S.) (15.7.2014) by The Financial Services and Markets Act 2000 (Regulated Activities) (Green Deal) (Amendment) Order 2014 (S.I. 2014/1850), arts. 1(2), 12(2) (with art. 1(3))
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