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The Consumer Credit (Disclosure of Information) Regulations 2010
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Changes over time for: SCHEDULE 2
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Changes to legislation:
The Consumer Credit (Disclosure of Information) Regulations 2010, SCHEDULE 2 is up to date with all changes known to be in force on or before 16 August 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.
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Changes and effects yet to be applied to Schedule 2:
- Regulations revoked by 2023 c. 29 Sch. 1 Pt. 2
Regulation 1(2)
SCHEDULE 2U.K.PROVISIONS RELATING TO CALCULATION AND DISCLOSURE OF THE TOTAL CHARGE FOR CREDIT AND APR
This
Atodlen has no associated
Memorandwm Esboniadol
1. Assumptions about running-account credit
(a)In the case of an agreement for running-account credit, the assumption in paragraph (b) shall have effect for the purpose of calculating the total charge for credit and any APR in place of any assumptions in [F1the total charge for credit rules] that might otherwise apply—
(b)in a case where the credit limit applicable to the credit is not known at the time the pre-contract credit information is disclosed but it is known that it will be subject to a maximum limit of less than £1,200, the credit limit shall be assumed to be an amount equal to that maximum limit.
Textual Amendments
F1Words in Sch. 2 para. 1(a) 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), 26(9)(a)
2. Permissible tolerances in disclosure of an APR
For the purposes of these Regulations, it shall be sufficient compliance with the requirement to show an APR if there is included in the pre-contract credit information—
(a)a rate which exceeds the APR by not more than one,
(b)a rate which falls short of the APR by not more than 0.1, or
(c)in a case to which paragraph 3 or 4 of this Schedule applies, a rate determined in accordance with those paragraphs or whichever of them applies to that case.
3. Tolerance where repayments are nearly equal
In the case of an agreement under which all repayments but one are equal and that one repayment does not differ from any other repayment by more whole pence than there are repayments of credit, there may be included in the pre-contract credit information a rate found under [F2the total charge for credit rules] as if that one repayment were equal to the other repayments to be made under the agreement.
Textual Amendments
F2Words in Sch. 2 para. 3 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), 26(9)(b)
4. Tolerance where interval between relevant date and first repayment is greater than interval between repayments
In the case of an agreement under which—
(a)three or more repayments are to be made at equal intervals, and
(b)the interval between the relevant date and the first repayment is greater than the interval between the repayments,
there may be included in the pre-contract credit information a rate found under [F3the total charge for credit rules] as if the interval between the relevant date and the first repayment were shortened so as to be equal to the interval between repayments.
Textual Amendments
F3Words in Sch. 2 para. 4 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), 26(9)(b)
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