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The Consumer Credit (Disclosure of Information) Regulations 2010
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Changes and effects yet to be applied to Schedule 3 Paragraph Wrapper16n2:
- Regulations revoked by 2023 c. 29 Sch. 1 Pt. 2
Indications between square brackets provide explanations for the creditor and must be replaced with the corresponding information.
2. Description of the main features of the credit product
| [F1The type of credit] | |
|---|---|
The total amount of credit. This means the amount of credit to be provided under the agreement or the credit limit. | [The amount is to be expressed as a sum of money. In the case of running account credit, the total amount may be expressed as a statement indicating the manner in which the credit limit will be determined where it is not practicable to express the limit as a sum of money.] |
| The duration of the credit agreement. | [The duration or minimum duration of the agreement or a statement that the agreement has no fixed or minimum duration.] |
If applicable Repayment of the credit. | [A statement informing the debtor that the debtor may be required to repay the amount of credit in full on demand at any time.] |
3. Costs of the credit
| The rates of interest which apply to the credit agreement. | [Details of the rates of interest charged, any conditions applicable to that rate, where available any reference rate on which that rate is based and any information on changes to the rate of interest (including the periods that the rate applies and any conditions or procedure applicable to changing the rate). Where different rates of interest are charged in different circumstances, the creditor must provide the above information in respect of each rate.] |
If applicable Costs. If applicable The conditions under which those costs may be changed. | [The costs applicable from the time the credit agreement is concluded.] |
| Costs in the case of late payments. | Either [A statement that there are no charges for late or missed payments.] Or [Applicable rate of interest, in the case of late payments and arrangements for its adjustment and, where applicable, any charges payable for default.] |
4. Other important legal aspects
| Termination of the credit agreement. | [The conditions and procedure for termination of the credit agreement.] |
| Consultation with a credit reference agency. | [A statement that if the creditor decides not to proceed with a prospective regulated consumer credit agreement on the basis of information from a credit reference agency the creditor must, when informing the debtor of that decision, inform the debtor that it has been reached on the basis of information from a credit reference agency and of the particulars of that agency.] |
If applicable The period of time during which the creditor is bound by the pre-contractual information. | [This information is valid from [—] until [—] or [Period of time during which the information on this form is valid.] |
Textual Amendments
F1Words in Sch. 3 para. 2 substituted (26.8.2010) by The Consumer Credit (Amendment) Regulations 2010 (S.I. 2010/1969), regs. 1, 40
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