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Statutory Instruments
Consumer Credit
Made
27th February 2014
Coming into force in accordance with article 1
A draft of this instrument has been laid before Parliament in accordance with section 40(5) of the Energy Act 2011(1) and approved by a resolution of each House of Parliament.
The Secretary of State has consulted the Financial Conduct Authority and such other persons as the Secretary of State considers appropriate in accordance with section 30 of the Energy Act 2011.
The Scottish Ministers and the Welsh Ministers have been consulted in accordance with section 40(8)(b) and (12) of the Energy Act 2011.
Accordingly, the Secretary of State makes the following Order, in exercise of the power conferred by section 30 of the Energy Act 2011(2).
1.—(1) This Order may be cited as the Consumer Credit Act 1974 (Green Deal) (Amendment) Order 2014.
(2) This Order comes into force on the day after the day on which this Order is made.
(3) This Order does not apply to a green deal plan (within the meaning of section 1 of the Energy Act 2011) made before the date on which this Order comes into force.
(4) This Order extends to England and Wales and Scotland only.
2. In this Order “the Act” means the Consumer Credit Act 1974(3).
3. In section 8 of the Act(4), after subsection (3) insert—
“(4) Subsection (1) does not apply in relation to an agreement that is a green deal plan (see instead section 189B).”
4. In section 16B(1A)(c) of the Act(5)—
(a)after “plan” insert “made in relation to a property that is not a domestic property (as defined by section 189B(8))”; and
(b)omit “(within the meaning of section 1 of the Energy Act 2011)”.
5. In section 189(1) of the Act—
(a)in the definition of “creditor”, after “means” insert “(except in relation to green deal plans: see instead section 189B(2))”;
(b)in the definition of “debtor”, after “means” insert “(except in relation to green deal plans: see instead section 189B(3))”; and
(c)after the definition of “goods” insert—
““green deal plan” has the meaning given by section 1 of the Energy Act 2011;”.
6. After section 189A of the Act insert—
(1) A green deal plan is to be treated as a consumer credit agreement for the purposes of this Act if (and only if)—
(a)the property in relation to the plan is a domestic property at the time when the plan is commenced, or
(b)if paragraph (a) does not apply, the occupier or owner of the property who makes the arrangement for the plan is an individual.
(2) In the application of this Act to a green deal consumer credit agreement—
(a)the creditor is to be treated as being—
(i)the green deal provider (within the meaning of Chapter 1 of Part 1 of the Energy Act 2011) for the plan, or
(ii)the person to whom the provider’s rights and duties under the plan have passed by assignment or operation of law,
(b)credit is to be treated as advanced under the agreement of an amount equal to the amount of the improvement costs, and
(c)the advance of credit is to be treated as made on the completion of the installation of the energy efficiency improvements to the property (but this paragraph is subject to any term of the green deal plan providing that part of the advance is to be treated as made on completion of any part of the installation).
(3) A reference in a provision of this Act listed in the first column of the table in Schedule 2A to the debtor is, in the application of the provision in relation to a green deal consumer credit agreement, to be read as a reference to—
(a)a person who at the relevant time falls (or fell) within the description or descriptions specified in the corresponding entry in the second column of the table, or
(b)if more than one description is specified and at the relevant time different persons fall (or fell) within the descriptions, each of those persons,
and except as provided by this subsection, a person is not and is not to be treated as the debtor in relation to the agreement.
(4) Where by virtue of subsection (3) a reference to the debtor in a listed provision is to be read as a reference to the improver, it is to be assumed in applying the provision in relation to the green deal consumer credit agreement that the improver is provided with credit on the terms of the green deal plan.
(5) Where by virtue of subsection (3) a reference to the debtor in a listed provision is to be read as a reference to a person who is not the improver, it is to be assumed in applying the provision in relation to the green deal consumer credit agreement—
(a)if the provision in question is any of sections 94 to 97A(6) (which together make provision about early payment by the debtor), that the person is provided with credit on terms that the person is liable to pay all the instalments under the green deal plan;
(b)in any other case, that the person is provided with credit on those terms of the green deal plan that bind or benefit the person for any period by virtue of regulations under section 6(2)(b) of the Energy Act 2011.
(6) References in this section and in Schedule 2A to the “improver”, “first bill payer”, “current bill payer” and “previous bill payer” are to be read as follows—
(a)a person is the “improver” if the person—
(i)is the owner or occupier of the property, and
(ii)is the person who makes (or has made or proposes to make) the arrangement for the green deal plan,
but this is subject to section 189C(4) in cases where the person is not an individual;
(b)a person is the “first bill payer” if the person is liable to pay the energy bills for the property at the time when the green deal plan is commenced;
(c)a person is the “current bill payer” if the person is liable by virtue of section 1(6)(a) of the Energy Act 2011 to pay instalments under the plan as a result of being for the time being liable to pay the energy bills for the property;
(d)a person is a “previous bill payer” if, as a result of previously falling within paragraph (c) for an earlier period, the person has an outstanding payment liability under the plan in respect of that period.
(7) References in this Act to a prospective consumer credit agreement, and references to the creditor and debtor in relation to such an agreement, are to be read in accordance with this section in the case of prospective green deal consumer credit agreements.
(8) In this section and in section 189C—
“domestic property” means a building or part of a building that is occupied as a dwelling or (if not occupied) is intended to be occupied as a dwelling;
“energy bill” has the same meaning as in section 1 of the Energy Act 2011;
“energy efficiency improvements” has the meaning given by section 2(4) of the Energy Act 2011;
“green deal consumer credit agreement” means a green deal plan that is to be treated as a consumer credit agreement for the purposes of this Act by virtue of subsection (1);
“improvement costs”, in relation to a green deal plan, are the costs of the energy efficiency improvements to the property which are to be paid by instalments under the plan after the time when credit is to be treated as being advanced by virtue of subsection (2) (but ignoring any interest or other charges for credit in determining those costs);
“listed provision” means a provision of this Act listed in the first column of Schedule 2A;
“occupier” and “owner” have the same meanings as in Chapter 1 of Part 1 of the Energy Act 2011;
“property”, in relation to a green deal plan, means the property to which the energy efficiency improvements under the plan are or are intended to be made.
(1) A green deal consumer credit agreement is to be treated—
(a)as an agreement for fixed-sum credit within the meaning of section 10(1)(b)(7);
(b)as a credit agreement for the purposes of sections 140A and 140B (and section 140C(1) is to be read accordingly)(8).
(2) Where a green deal consumer credit agreement is a regulated agreement within the meaning of this Act (see section 8(3)), it is to be treated as a restricted-use agreement that falls within section 11(1)(a).
(3) Sections 81(9), 140C(2) and 176(5) do not apply in the case of a green deal consumer credit agreement.
(4) A person who is not an individual is to be treated as the improver in relation to any listed provision in the first column of the table in Schedule 2A only if the corresponding entry in the second column of the table so specifies.
(5) For the purposes of section 189B—
(a)a green deal plan is commenced when—
(i)the occupier or owner of the property signs in the prescribed manner a document in relation to the plan in accordance with section 61(1) (requirements as to form and content of regulated agreements)(10), or
(ii)if the occupier or owner of the property does not sign such a document, the green deal plan is made;
(b)a person is liable to pay the energy bills for a property at any time if the person would be treated as the bill payer for the property at that time for the purposes of Chapter 1 of Part 1 of the Energy Act 2011 (see section 2(3) and (10)).
(1) For the period beginning on the date when this section comes into force and ending on 31st March 2014, the table in Schedule 2A is to be read as if it included the following entries—
Section of this Act | References to “debtor” are to be read as references to the… |
---|---|
Sections 16, 16A, 16B, 16C(11) | - improver |
Section 20(12) |
|
Section 40(13) |
|
Section 55A(14) |
|
Section 55B(15) |
|
Section 82A(16) |
|
Section 145(17) |
|
Section 149(18) |
|
Section 160A(19) | - improver |
(2) This section ceases to have effect on 1st April 2014.”
7. After Schedule 2 to the Act (examples of use of new terminology) insert the following Schedule—
Section of this Act | References to “debtor” are to be read as references to the… |
---|---|
Section 19 | - improver |
Section 55(20) | - improver |
Section 55C(21) |
|
Section 56 |
|
Section 57 | - improver |
Section 59 | - improver |
Sections 60 and 61(22) | - improver (including an improver who is not an individual) |
Section 61A(23) | - improver |
Sections 62, 63, 64(24) | - improver |
Section 65 |
|
Section 66A(25) | - improver |
Sections 67, 68, 69, 70, 71, 72, 73(26) | - improver |
Section 75A(27) | - improver |
Sections 76 and 77(28) |
|
Section 77A(29) | - current bill payer |
Section 77B(30) |
|
Section 78A(31) |
|
Section 80 | - improver |
Section 82(32) |
|
Section 86 |
|
Section 86E(33) |
|
Section 86F(34) |
|
Section 87(35) |
|
Section 89 |
|
Section 93(36) |
|
Sections 94, 95, 95A, 95B, 96, 97, 97A(37) |
|
Section 98 |
|
Sections 102, 103, 105, 107, 110, 113(38) | - improver |
Sections 123(39), 124 |
|
Section 127(40) |
|
Sections 128, 129, 130, 130A(41) |
|
Sections 140A, 140B, 140C(42) |
|
Section 141(1), (2), (3A), (3B) |
|
Section 157(43) |
|
Section 173(44) |
|
Section 179 |
|
Section 185(1), (2), (2A), (2B), (2C), (2D), (4)(45) | - current bill payer |
Section 187A(46) |
|
Section 189(1), so far as relating to definition of “security” | - improver” |
8.—(1) In section 21(6) of the Act(47)—
(a)omit paragraph (a) (including “and” at the end of that paragraph); and
(b)in paragraph (b), for “that Act” substitute “the Energy Act 2011”.
(2) In sections 77(2A), 77A(2A), 77B(7A), 86B(12A)(b)(iii) and 95B(1)(b) of the Act(48), omit “(within the meaning of section 1 of the Energy Act 2011)”.
Gregory Barker
Minister of State
Department of Energy and Climate Change
27th February 2014
(This note is not part of the Order)
This Order relates to the green deal energy efficiency scheme established by Chapter 1 of Part 1 of the Energy Act 2011 (the “2011 Act”).
This Order applies in Great Britain and is made under section 30 of the 2011 Act. It makes amendments to the Consumer Credit Act 1974 (the “1974 Act”) in consequence of the provisions of Chapter 1 of Part 1 of the 2011 Act.
This Order makes provision as to the treatment of green deal plans under the 1974 Act and, in particular, the circumstances in which a green deal plan is a consumer credit agreement and the persons who are to be treated as being the creditor and the debtor in relation to a green deal plan.
In the case of the debtor, the Order makes provision as to the sections of the 1974 Act in respect of which different categories of person are to be treated as the debtor.
A full regulatory impact assessment has not been produced for this instrument as no impact on the private or voluntary sectors is foreseen.
Section 30 is amended by S.I. 2013/1881, article 28 and paragraph 17 of the Schedule. The amendments came into force on 26th July 2013 for the purpose of making orders and come into force on 1st April 2014 for remaining purposes.
Section 8 was amended by sections 2(1) and 5(1) of the Consumer Credit Act 2006 (c.14) and S.I. 2008/2826, article 3(2). Section 8(3) is amended with effect from 1st April 2014 by S.I. 2013/1881, article 20(3).
Section 16B was inserted by section 4 of the Consumer Credit Act 2006 and was amended by section 25 of the Energy Act 2011. Section 16B is repealed with effect from 1st April 2014 by S.I. 2013/1881, article 20(7).
Section 94 was amended by S.I. 2010/1010, regulations 2 and 30, and section 29 of the Energy Act 2011. Section 95 was amended by S.I. 2010/1010, regulations 2 and 31. Section 95A was inserted by S.I. 2010/1010, regulations 2 and 32. Section 95B was inserted by section 29 of the Energy Act 2011. Section 97 was amended by S.I. 2008/1277, regulation 30, Schedules 2 and 4 and S.I. 2010/1010, regulations 2 and 33. Section 97A was inserted by S.I. 2010/1010, regulations 2 and 34, and amended by section 29 of the Energy Act 2011.
Section 10(1) was amended by section 5 of the Consumer Credit Act 2006.
Sections 140A to 140C were inserted by sections 19 to 21 of the Consumer Credit Act 2006. Section 140A is amended by S.I. 2013/1881, regulation 20, which came into force for certain purposes on 26th July 2013, and comes into force for remaining purposes on 1st April 2014.
Section 81 is repealed by S.I. 2013/1881, article 20, with effect from 1st April 2014.
Section 61 was amended by S.I. 2004/3236, article 2.
Section 16A was inserted by section 3 of the Consumer Credit Act 2006. Section 16B was inserted by section 4 of the Consumer Credit Act 2006 and was amended by section 25 of the Energy Act 2011. Section 16C was inserted by S.I. 2008/2826, article 3. Sections 16 to 16C are repealed by S.I. 2013/1881, article 20, with effect from 1st April 2014.
Section 20 is amended by S.I. 2013/1881, article 20, which came into force for certain purposes with effect from 26th July 2013, and comes into force for remaining purposes on 1st April 2014.
Section 40 was amended by sections 26 and 70 of and Schedule 4 to the Consumer Credit Act 2006, section 278 of and Schedule 25 to the Enterprise Act 2002 (c.40), and S.I. 2001/3649, article 170. Section 40 is repealed by S.I. 2013/1881, article 20, with effect from 1st April 2014.
Section 55A was inserted by S.I. 2010/1010, regulations 2 and 3 (as amended by S.I. 2010/1969, regulations 4 and 6), and is repealed by S.I. 2013/1881, article 20, with effect from 1st April 2014.
Section 55B was inserted by S.I. 2010/1010, regulations 2 and 5, and is repealed by S.I. 2013/1881, article 20, with effect from 1st April 2014.
Section 82A was inserted by S.I. 2010/1010, regulations 2 and 36, and is repealed by S.I. 2013/1881, article 20, with effect from 1st April 2014.
Section 145 was amended by section 5 of and Schedule 4 to the Contracts (Applicable Law) Act 1990 (c.36), S.I. 2003/1475, article 21, and sections 5, 24 and 25 of the Consumer Credit Act 2006. It is also amended by S.I. 2013/1881, article 20, which came into force for certain purposes on 26th July 2013, and comes into force for remaining purposes on 1st April 2014.
Section 149 was amended by section 278 of and Schedule 25 to the Enterprise Act 2002, and S.I. 2001/3649, article 174, and is repealed by S.I. 2013/1881, article 20, with effect from 1st April 2014.
Section 160A was inserted by S.I. 2010/1010, regulations 2 and 41, and is repealed by S.I. 2013/1881, article 20, with effect from 1st April 2014.
Section 55 was amended by S.I. 2010/1010, regulations 2 and 16.
Section 55C was inserted by S.I. 2010/1010, regulations 2 and 6, and is amended by S.I. 2013/1881, regulation 20, which came into force on 26th July 2013 for certain purposes and comes into force for remaining purposes on 1st April 2014.
Section 60 was amended by section 278 of and Schedule 25 to the Enterprise Act 2002, and S.I. 2010/1010, regulations 2 and 7. It is also amended by S.I. 2013/1881, article 20, and S.I. 2013/1882, article 7, which came into force for certain purposes on 26th July 2013, and come into force for remaining purposes on 1st April 2014. Section 61 was amended by S.I. 2004/3236, article 2.
Section 61A was inserted by S.I. 2010/1010, regulations 2 and 8, and is amended by S.I. 2013/1881, article 20, which came into force for certain purposes on 26th July 2013, and comes into force for remaining purposes on 1st April 2014.
Section 62 was amended by S.I. 2010/1010, regulations 2 and 10. Section 63 was amended by S.I. 2004/3236, article 2, and by S.I. 2010/1010, regulations 2 and 11. Section 64 was amended by section 278 of and Schedule 25 to the Enterprise Act 2002 and by S.I. 2004/3236, article 2, and is also amended by S.I. 2013/1882, article 7, which came into force for certain purposes on 26th July 2013, and comes into force for remaining purposes on 1st April 2014.
Section 66A was inserted by S.I. 2010/1010, regulations 2 and 13 (as amended by S.I. 2010/1969, regulations 2 and 8).
Section 67 was amended by S.I. 2010/1010, regulations 2 and 14. Section 69 was amended by S.I. 2004/3236, article 2. Section 70 was amended by S.I. 1998/997, article 3 and Schedule.
Section 75A was inserted by S.I. 2010/1010, regulations 2 and 25 (as amended by S.I. 2010/1969, regulations 4 and 11), and is amended by S.I. 2013/1881, article 20, which came into force for certain purposes on 26th July 2013, and comes into force for remaining purposes on 1st April 2014.
Section 77 was amended by S.I. 1998/997, article 3 and Schedule, S.I. 2008/1277, regulation 30 and Schedules 2 and 4, and section 27 of the Energy Act 2011.
Section 77A was inserted by section 6 of the Consumer Credit Act 2006, and amended by S.I. 2008/2826, article 4, S.I. 2010/1010, regulations 2 and 23, and section 27 of the Energy Act 2011.
Section 77B was inserted by S.I. 2010/1010, regulations 2 and 26, and was amended by section 27 of the Energy Act 2011. Section 77B is amended by S.I. 2013/1881, article 20, which came into force for certain purposes on 26th July 2013, and comes into force for remaining purposes on 1st April 2014.
Section 78A was inserted by S.I. 2010/1010, regulations 2 and 27.
Section 82 was amended by S.I. 2005/2967, article 2, S.I. 2008/733, article 2, S.I. 2008/2826, article 3, S.I. 2010/1010, regulations 2, 15, 28 and 29. It is also amended by S.I. 2013/1881, article 20, which came into force for certain purposes on 26th July 2013, and comes into force for remaining purposes on 1st April 2014.
Section 86E was inserted by section 12 of the Consumer Credit Act 2006.
Section 86F was inserted by section 13 of the Consumer Credit Act 2006.
Section 87 was amended by S.I. 2010/1010, regulations 2 and 37.
Section 93 is amended by S.I. 2013/1881, article 20, which came into force for certain purposes on 26th July 2013, and comes into force for remaining purposes on 1st April 2014.
Section 94 was amended by S.I. 2010/1010, regulations 2 and 30, and section 29 of the Energy Act 2011. Section 95 was amended by S.I. 2010/1010, regulations 2 and 31. Section 95A was inserted by S.I. 2010/1010, regulations 2 and 32. Section 95B was inserted by section 29 of the Energy Act 2011. Section 97 was amended by S.I. 2008/1277, regulation 30, Schedules 2 and 4, and S.I. 2010/1010, regulations 2 and 33. Section 97A was inserted by S.I. 2010/1010, regulations 2 and 34, and amended by section 29 of the Energy Act 2011.
Section 103 was amended by S.I. 2008/1277, regulation 30 and Schedules 2 and 4. Sections 107 and 110 were amended by S.I. 1998/997, article 3 and Schedule, and S.I. 2008/1277, regulation 30 and Schedules 2 and 4. Section 113 was amended by section 4 of the Minors’ Contracts Act 1987 (c.13) and section 278 of and Schedule 25 to the Enterprise Act 2002. Section 113 is also amended by S.I. 2013/1881, article 20, and S.I. 2013/1882, article 7, which came into force for certain purposes on 26th July 2013, and come into force for remaining purposes on 1st April 2014.
Section 123 is amended by S.I. 2013/1882, article 7, which came into force for certain purposes on 26th July 2013, and comes into force for remaining purposes on 1st April 2014.
Section 127 was amended by sections 15 and 70 of and Schedule 4 to the Consumer Credit Act 2006, and S.I. 2010/1010, regulations 2, 12 and 18.
Section 129 was amended by section 108 of and Schedule 6 to the Debtors (Scotland) Act 1987 (c.18), and section 16 of the Consumer Credit Act 2006. Section 130A was inserted by section 17 of the Consumer Credit Act 2006.
Sections 140A to 140C were inserted by sections 19 to 21 of the Consumer Credit Act 2006. Section 140A is amended by S.I. 2013/1881, regulation 20, which came into force for certain purposes on 26th July 2013, and comes into force for remaining purposes on 1st April 2014.
Section 157 was amended by S.I. 2010/1010, regulations 2 and 40.
Section 173 was amended by section 278 of and Schedule 25 to the Enterprise Act 2002. It is also amended by S.I. 2013/1881, article 20, which came into force for certain purposes on 26th July 2013, and comes into force for remaining purposes on 1st April 2014.
Section 185 was amended by sections 5, 7 and 70 of and Schedule 4 to the Consumer Credit Act 2006, S.I. 2010/1010, regulations 2 and 4. It is also amended by S.I. 2013/1881, article 20, which came into force for certain purposes on 26th July 2013, and comes into force for remaining purposes on 1st April 2014.
Section 187A was inserted by section 18 of the Consumer Credit Act 2006.
Section 21(6) was inserted by section 26 of the Energy Act 2011.
Sections 77(2A), 77A(2A) and 77B(7A) were inserted by section 27 of the Energy Act 2011. Section 86B(12A) was inserted by section 28 of the Energy Act 2011. Section 95B was inserted by section 29 of the Energy Act 2011.
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