A better deal for consumers. Review of the regulation of credit and store cards: a consultation. (PDF) (link opens in a new window)
Closed consultation on the regulation of credit and store cards covering policy options for key areas of card lending: the way repayments are allocated across debts with different interest rates, the level of minimum payments, the unsolicited raising of credit limits, re-pricing of interest rates on existing debts. Also looks at improving simplicity and transparency. Follows on from a Government commitment in the Consumer white paper (09/1035). Aims to secure a better deal for consumers, giving them improved control of their credit and store card borrowing, whilst also ensuring that any intervention is proportionate, transparent and targeted. See also economic impact assessment (09/1401) and equality impact assessment (09/1402). Consultation period ended 19 January 2010. See Government response 10/768.
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| 09/1392 | 27-10-2009 |
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86 Pages
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A better deal for consumers. Review of the regulation of credit and store cards: Government response to consultation. (PDF) (link opens in a new window)
The Government response to the consultation on the review of the regulation of credit and store cards (URN 09/1392). Covers the five new rights for credit and store card users that credit and store card lenders have agreed to implement voluntarily.
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| 10/768 | 15-03-2010 |
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67 Pages
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A better deal for consumers: consultation on proposals to ban the use of bills of sale for consumer lending. (PDF) (link opens in a new window)
Closed consultation on proposals to ban the use of an outdated law, the bills of sale Act 1878, which is used to sell high-cost loans. It seeks to address any adverse consequences for consumers caused by lenders using bills of sale to secure loans. See also impact assessment (URN 09/1601) and equalities impact assessment (09/1602). Consultation period ended 15 March 2010, the Government response is 11/516.
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| 09/1595 | 21-12-2009 |
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38 Pages
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A new approach to financial regulation: consultation on reforming the consumer credit regime. (PDF) (link opens in a new window)
Closed consultation setting out the Government’s proposal to transfer responsibility for consumer credit from the Office of Fair Trading (OFT) to the new Consumer Protection and Markets Authority. Seeks to understand how stakeholders would be affected by a transfer and the potential impacts. Follows the July HM Treasury consultation ‘A new approach to financial regulation, judgement, focus and stability’. See also the impact assessment URN 10/1376. Consultation period ended 22 March 2011, see 11/1083 for a summary of responses.
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| 10/1160 | 21-12-2010 |
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60 Pages
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A new approach to financial regulation: summary of responses to consultation on reforming the consumer credit regime. (PDF) (link opens in a new window)
Responses from stakeholders to the Government's consultation (URN 10/1160) on transferring responsibility for consumer credit regulation from the Office of Fair Trading (OFT) to the proposed new Financial Conduct Authority (FCA). Summarises responses by question and draws out key themes.
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| 11/1083 | 19-07-2011 |
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37 Pages
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CONSUMER CREDIT ACT 1974 (AS AMENDED BY THE CONSUMER CREDIT ACT 2006) BERR response to the consultation on proposals relating to: buy-to-let lending, provision of statements, definitions of payments. (PDF) (link opens in a new window)
Government response to the consultation (URN 07/1633) on proposals to amend the Consumer Credit Act 1974 to exempt buy-to-let lending from the regulation under the 1974 Act, clarify the position on the giving of statements for fixed-sum credit agreements, and provide a definition of 'payments' for the purpose of issuing notices of sums in arrears. Also summarises responses to the public consultation. See impact assessment 08/955, draft regulation 08/996X and explanatory note 08/956X.
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| 08/954 | 11-06-2008 |
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21 Pages
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Call for evidence. Consumer Rights Directive: allowing contingent or ancillary charges to be assessed for unfairness. (PDF) (link opens in a new window)
Closed consultation that invited views on a number of specific issues on the desirability of extending the concept of unfairness in consumer contracts in the Consumer Rights Directive. Covers charges which are objectively difficult for an ordinary person in practice to assess effectively when reaching their decision as to whether to enter a contract. Consultation closed 23 August 2010. See Government response URN 10/1227.
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| 10/1030 | 08-07-2010 |
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22 Pages
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Consultation on proposal to ban the use of bills of sale for consumer lending: initial equality impact assessment. (PDF) (link opens in a new window)
Gives an initial summary view of the equality impact of the proposals set out in the consultation on proposals to ban the use of an outdated law, the Bills of Sale Act 1878, which is used to sell high-cost loans (URN 09/1595). See also impact assessment 09/1601 and Government response 11/516.
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| 09/1602 | 21-12-2009 |
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11 Pages
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Consultation on proposals for implementing the Consumer Credit Directive. (PDF) (link opens in a new window)
Closed consultation. Comments sought on proposals for implementing the Consumer Credit Directive. See also the accompanying impact assessment (URN 09/877). Consultation period ended 10 June 2009.
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| 09/876 | 14-04-2009 |
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126 Pages
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Consultation on proposals for implementing the Consumer Credit Directive: Government response. (PDF) (link opens in a new window)
Summarises and analyses of all the representations received following a public consultation on the Consumer Credit Directive (URN 09/876). Also gives the Government's response and next steps.
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| 09/1599 | 22-12-2009 |
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78 Pages
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CONSUMER CREDIT ACT 1974 (AS AMENDED BY THE CONSUMER CREDIT ACT 2006) Consultation on proposals relating to: buy-to-let lending, provision of statements, definitions of 'payments'. (PDF) (link opens in a new window)
Closed consultation. Sought views on proposals to amend the Consumer Credit Act 1974 to exempt buy-to-let lending from the regulation under the 1974 Act, clarify the position on the giving of statements for fixed-sum credit agreements, and provide a definition of 'payments' for the purpose of issuing notices of sums in arrears. Consultation period ended 12 March 2008. See Government response URN 08/954, impact assessment 08/955, draft regulation 08/996X and explanatory note 08/956X.
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| 07/1633 | 19-12-2007 |
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70 Pages
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Consultation on the removal of barriers to the sharing of non-consensual credit data. (PDF) (link opens in a new window)
Closed consultation about the sharing between lenders of credit data on accounts opened without the borrower's permission for the data to be shared. Includes partial regulatory impact assessment. See URN 08/591 for the Government response. Consultation period ended 11 January 2007.
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| 06/1357 | 11-10-2006 |
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56 Pages
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Consumer Credit Act 1974: clause on unsolicited credit card cheques. (PDF) (link opens in a new window)
Draft text of suggested amendments to the clause of the 1974 Consumer Credit Act that currently regulates the area of credit card cheques and their distribution. See also related impact assessment URN 09/1496.
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| 09/1496 | 20-11-2009 |
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4 Pages
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Consumer Credit Act 2006. Consultation on draft statutory instruments: exemptions, post-contract information, licensing. (PDF) (link opens in a new window)
Closed consultation. Seeks views on draft secondary legislation under the Consumer Credit Act 2006. The two draft SIs deal with: exemptions for lending to very wealthy (high net worth) borrowers and businesses; and the form and content of statements and notices that lenders will have to provide to customers. Consultation includes copies of both draft SIs and a partial regulatory impact assessment. Consultation period ended 24 November 2006.
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| 06/1679 | 02-08-2006 |
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91 Pages
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Consumer Credit Act 2006. Consultation on draft statutory instruments: exemptions, post-contract information, licensing. DTI response. (PDF) (link opens in a new window)
Government response to the Consumer Credit Act 2006 consultation on draft statutory instruments covering exemptions, post-contract information and licensing.
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| 07/698 | 13-03-2007 |
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69 Pages
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Consumer credit and personal insolvency review: formal response on consumer credit. (PDF) (link opens in a new window)
The Government's final response to the consumer credit aspects of the consumer credit and personal insolvency review. See also the call for evidence (URN 10/1185) and the summary of responses and initial response (11/1063).
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| 11/1341 | 21-11-2011 |
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22 Pages
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Consumer credit and personal insolvency review: summary of responses on consumer credit and formal response on personal insolvency. (PDF) (link opens in a new window)
Summarises responses to the call for evidence on consumer credit (URN 10/1185). Includes the Government response to the personal insolvency part of the review. See 11/1341 for the formal response on consumer credit.
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| 11/1063 | 19-07-2011 |
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52 Pages
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Consumer Credit Directive: worked examples of full and partial early repayments. (PDF) (link opens in a new window)
Designed to present calculated examples of how the new formulas for early repayment under the Consumer Credit Directive might work in practice.
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| 09/897 | 14-04-2009 |
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9 Pages
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Consumer credit law: summary of responses to the Department of Trade & Industry's consultation on a proposed European consumer credit directive. (PDF) (link opens in a new window)
Factual summary of responses to DTI's consultation (URN 05/834) on a proposed consumer credit directive, which ended on 22 April 2005.
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| 05/1306 | 17-06-2005 |
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49 Pages
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Consumer Credit Regulations: guidance on the regulations implementing the Consumer Credit Directive. (PDF) (link opens in a new window)
Summarises the main changes that have been made to the Consumer Credit Act 1974 and other legislation by the implementation of the Consumer Credit Directive. Intended as a plain English guide to the new requirements to help businesses identify and understand changes that affect them, also relevant to consumers and those advising consumers on their rights and protections, and to enforcement authorities. Provides informal guidance on the implementing regulations, and should be read in conjunction with the implementing regulations. See URN 10/1072 for the quick start guide.
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| 10/1053 | 17-08-2010 |
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111 Pages
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Credit and store card research. (PDF) (link opens in a new window)
Report by TNS - BMRB for BIS. Includes a quantitative survey of active card users, and qualitative deliberative research using groups of respondents who used a variety of different payment approaches. Relates to the Government response to the review of the regulation of credit and store cards consultation (URN 10/768).
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| 10/820 | 15-03-2010 |
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196 Pages
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Credit card cheques: a discussion paper. (PDF) (link opens in a new window)
Closed consultation. Seeks views on whether it is necessary to make changes to the regulation of credit card cheques. Consultation period ended 24 February 2006.
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| 05/1770 | 10-11-2005 |
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35 Pages
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Credit card cheques: a discussion paper. Summary of responses and government response. (PDF) (link opens in a new window)
Response to the consultation paper (URN 05/1770) on the issuing and marketing of credit card cheques.
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| 06/1615 | 31-07-2006 |
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18 Pages
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Credit, debt and financial difficulty in Britain, 2009/10. A report using data from the YouGov DebtTrack survey. (PDF) (link opens in a new window)
Uses data from the YouGov DebtTrack survey, a series of online surveys carried out between November 2009 and October 2010, to explore credit use and the extent of consumer indebtedness in Britain. See URN 10/830 for the previous report. Underlying data for this publication is also available in a machine processable format on the Transparency/Report Data webpage.
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| 11/963 | 02-06-2011 |
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110 Pages
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Debt and insolvency ['Managing borrowing and dealing with debt: call for evidence' in plain English]. (PDF) (link opens in a new window)
Easy read summary of the call for evidence (URN 10/1185), which invites people to have a say on how the existing consumer credit and personal insolvency schemes might be improved. Responses were due by 10 December 2010. See 11/1063 and 11/1341 for the Government response.
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| 10/1201 | 15-10-2010 |
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10 Pages
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Draft Statutory Instrument: Consumer Credit (Advertisements) Regulations 2009. (PDF) (link opens in a new window)
Draft regulations relating to consumer credit advertisements.
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| 09/1395 | 23-10-2009 |
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8 Pages
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Draft Statutory Instrument: Consumer Credit (Agreements) Regulations 2009. (PDF) (link opens in a new window)
Draft regulations relating to consumer credit agreements.
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| 09/1397 | 23-10-2009 |
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18 Pages
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Draft Statutory Instrument: Consumer Credit (Disclosure of Information) Regulations 2009. (PDF) (link opens in a new window)
Draft regulations on disclosure of information that relates to consumer credit.
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| 09/1396 | 23-10-2009 |
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17 Pages
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Draft Statutory Instrument: Consumer Credit (EC Directive) Regulations 2009. (PDF) (link opens in a new window)
Draft regulations for the EC Directive relating to consumer credit.
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| 09/1394 | 23-10-2009 |
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31 Pages
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Draft Statutory Instrument: Consumer Credit (Total Charge for Credit) Regulations 2009. (PDF) (link opens in a new window)
Draft regulations relating to the total charge for credit for consumers.
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| 09/1398 | 23-10-2009 |
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7 Pages
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Drivers of over indebtedness. (PDF) (link opens in a new window)
Report to BERR that looks at UK trends in household over indebtedness since the late 1990s using new empirical (quantitative and qualitative) evidence.
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| 09/558 | 05-02-2009 |
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87 Pages
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European consumer credit directive: a consultation. (PDF) (link opens in a new window)
Closed consultation. Seeks views from industry, consumer bodies and regulators on the emerging European Consumer Credit Directive. The Directive sets out a number of measures to create a European consumer credit market and the document sets out the UK Government's view on the proposed measures and invites responses from stakeholders. Consultation period ended 22 April 2005.
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| 05/834 | 25-02-2005 |
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137 Pages
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Evaluation of the illegal money lending pilots. (PDF) (link opens in a new window)
The evaluation was carried out by Policis on behalf of the DTI concerning two DTI funded pilot enforcement projects in Birmingham and Glasgow, both areas having known concentrations of loan shark activity. Run by specialist Trading Standards teams, these projects have set out to tackle illegal lending on the ground and to gain insight into how best to address illegal lending on a national basis.
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| 07/612 | 15-02-2007 |
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84 Pages
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Examples illustrating use of formulae for calculating rebate for full and partial early settlement. (PDF) (link opens in a new window)
Provides an example of how calculating partial early repayment will work under the Consumer Credit Directive. See also update on the draft Directive URN 10/570.
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| 10/571 | 01-02-2010 |
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11 Pages
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Government response to the call for evidence on the Consumer Rights Directive: allowing contingent or ancillary charges to be assessed for unfairness. (PDF) (link opens in a new window)
Government’s response to the July 2010 call for evidence (URN 10/1030) to inform the UK's negotiating position on whether contingent or ancillary charges should be assessed for unfairness under the unfair contract terms provision in the Consumer Rights Directive. Also summarises public responses to the call.
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| 10/1227 | 20-10-2010 |
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10 Pages
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Government response to the consultation document on the EU proposals for a Consumer Rights Directive. (PDF) (link opens in a new window)
Analyses of the responses received from the consultation on EU proposals for a Consumer Rights Directive (URN 08/1357) that proposal brings together several related directives in a single one. Includes a summary of responses received. See also impact assessment 08/1427.
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| 09/988 | 10-07-2009 |
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35 Pages
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Government response to the consultation on proposals to ban the use of bills of sale for consumer lending. (PDF) (link opens in a new window)
Government response to the consultation on proposals to ban the use of an outdated law, the bills of sale Act 1878, which is used to sell high-cost loans (URN 09/1595). Includes a summary of public responses and an impact assessment.
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| 11/516 | 28-01-2011 |
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80 Pages
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Gwell bargen i ddefnyddwyr. Adolygiad o reoleiddio cardiau credyd a chardiau siopau: ymgynghoriad [crynodeb gweithredol]. (PDF) (link opens in a new window)
Welsh language version of the executive summary of a closed consultation on the regulation of credit and store cards covering policy options for key areas of card lending (URN 09/1392). Consultation period ended 19 January 2010.
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| 09/1392W | 18-12-2009 |
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12 Pages
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Illegal lending in the UK: research report. (PDF) (link opens in a new window)
Maps the scope and extent of illegal money lending in the UK, indicating the areas affected and the numbers of people involved. Covers the different types of illegal lenders (loan sharks) and their impact, and explores why consumers use illegal lenders. DTI commissioned the report following a commitment made in the Consumer Credit White Paper.
Internet only
| 06/1883 | 01-12-2006 |
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98 Pages
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Impact assessment (IA): options for reform to regulatory framework for consumer credit. (PDF) (link opens in a new window)
Assesses the costs and benefits of proposals to change the regulatory architecture for financial services, moving credit regulation from the Office of Fair Trading (OFT) to the new Consumer Protection and Markets Authority. See also the related consultation URN 10/1160.
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| 10/1376 | 21-12-2010 |
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40 Pages
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Impact assessment of credit card cheques. (PDF) (link opens in a new window)
Assesses the costs and benefits of proposals to make the cost of credit card cheques more transparent to the consumer. Aims to encourage consumers to exercise more control over their financial affairs. See also draft Consumer Credit Act 1974 clause URN 09/1496.
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| 09/1495 | 20-11-2009 |
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21 Pages
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Impact assessment of proposals to address problems in relation to the use of bills of sale for consumer lending. (PDF) (link opens in a new window)
Assesses the costs and benefits of proposals in the consultation to ban the use of outdated law, the Bills of Sale Act 1878, which is used to sell high-cost loans (URN 09/1595). See also the equalities impact assessment (09/1602) and the Government response which includes an updated impact assessment (11/516).
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| 09/1601 | 21-12-2009 |
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33 Pages
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Impact assessment of the Consumer Credit Directive. (PDF) (link opens in a new window)
Economic analysis of the expected impact the implementation of the Consumer Credit Directive will have on UK economy. It also attempts to measure costs and benefits of the implementation to consumers and the lending industry. Relates to the consultation (URN 09/876).
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| 09/877 | 14-04-2009 |
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52 Pages
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Implementation stage impact assessment for the Consumer Credit Directive. (PDF) (link opens in a new window)
Describes and analyses the impact implementing of the Consumer Credit Directive in the UK, looking at how it will affect consumers, businesses and the economy. The Directive aims to correct information asymmetries that act as barriers to cross-border purchase of financial services to improve the functioning of the EU consumer credit market.
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| 10/916 | 31-03-2010 |
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72 Pages
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Interim evaluation of the national illegal money lending projects. (PDF) (link opens in a new window)
Presents the findings and evidence from a review of the effectiveness of the illegal money lending national project that started in 2007. The project set out to address the illegal money lending which is common in deprived estates and which entrenches poverty and disadvantage. The review assesses the effectiveness of teams and delivery models in meeting both enforcement and financial inclusion objectives, and the aggregate impact of the national project. It identifies replicable best practice, assesses the wider economic and social benefits, to inform the development of future policy approaches in this area.
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| 10/1186 | 18-10-2010 |
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106 Pages
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Interim evaluation of the national illegal money lending projects: summary. (PDF) (link opens in a new window)
Summarises the interim evaluation of the illegal money lending national project. See URN 10/1186 for the full report.
Internet only
| 10/1187 | 18-10-2010 |
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31 Pages
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International regulatory research. (PDF) (link opens in a new window)
Report by Auriemma for BIS. Aims to provide a view of recent credit and store card industry regulation in the international markets, in particular the regulations currently being implemented in the United States and Canada. Relates to the Government response to the review of the regulation of credit and store cards consultation (URN 10/768).
Internet only
| 10/819 | 15-03-2010 |
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65 Pages
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Managing borrowing and dealing with debt: call for evidence in support of the consumer credit and personal insolvency review. (PDF) (link opens in a new window)
Aims to engage stakeholders and the general public in issues surrounding unsecured credit, and how the existing consumer credit and personal insolvency regimes could be improved. Focuses on the stages of the credit cycle: the decision to borrow, the lifespan of a loan agreement, and what happens when things go wrong. See also plain English summary version (URN 10/1201). Responses were due by 10 December 2011. See 11/1063 and 11/1341 for the Government response to this call for evidence.
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| 10/1185 | 15-10-2010 |
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61 Pages
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New rights for credit and store card users: joint commitment by the Government and card companies. (PDF) (link opens in a new window)
Joint statement by the Government and the credit and store card industry on five new rights for credit and store card users. Covers the rights to repay, control, reject, information, and compare. Relates to consultation URN 09/1392, see also the Government response 10/768.
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| 10/808 | 15-03-2010 |
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4 Pages
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Over-indebtedness in Britain: 2nd follow-up report. (PDF) (link opens in a new window)
Report that uses data from a series of online surveys carried out between July 2008 and July 2009 to explore the extent of indebtedness and use of unsecured credit in Britain. Follows the first follow-up report on over-indebtedness (URN 10/829). See 11/963 for the 2009/10 report.
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| 10/830 | 19-03-2010 |
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67 Pages
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Over-indebtedness in Britain: first follow-up report. (PDF) (link opens in a new window)
Report that uses experimental data, collected between July and December 2006, from the Office for National Statistics to conduct an in-depth analysis of the level and profile of consumer over-indebtedness in Britain. See also second report URN 10/830.
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| 10/829 | 19-03-2010 |
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25 Pages
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Over-indebtedness in Great Britain: an analysis using the wealth and assets survey and household annual debtors survey. (PDF) (link opens in a new window)
Research report for BIS that uses data from the Wealth and Assets Survey (WAS) and the follow-up Household Annual Debtors survey (HAD) to extend existing knowledge about potential ways of measuring financial difficulty and over-indebtedness. Identifies the types of people and households who are over-indebted, and those who become more or less over-indebted from one year to the next.
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| 11/747 | 18-02-2011 |
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71 Pages
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Pre-contract credit information (Standard European Consumer Credit Information - SECCI). (PDF) (link opens in a new window)
Provides an example of how the new standardised pre-contractual form will look. Relates to the Consumer Credit Directive, see also update on the draft Directive URN 10/570.
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| 10/572 | 01-02-2010 |
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13 Pages
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Proposal for an EC consumer credit directive: supplementary consultation. (PDF) (link opens in a new window)
Closed consultation. Consultation on revised text of the draft Consumer Credit Directive. Consultation period ended 10 May 2006.
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| 06/980 | 24-03-2006 |
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95 Pages
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Proposal for an EC consumer credit directive: supplementary consultation. Summary of responses and Government response. (PDF) (link opens in a new window)
Response to the consultation paper on the proposed EC Consumer Credit Directive (URN 06/980).
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| 06/1909 | 08-11-2006 |
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51 Pages
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Regulations implementing the Consumer Credit Directive: quick start guide. (PDF) (link opens in a new window)
Summarises the key changes that have been made to the Consumer Credit Act 1974 and other associated legislation to implement the Consumer Credit Directive. Intended to be a plain English guide to the new requirements for businesses and may also be helpful to consumers. See URN 10/1053 for the full guidance.
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| 10/1072 | 17-08-2010 |
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10 Pages
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Regulatory impact assessment: the Consumer Credit (Disclosure of Information) Regulations 2004, the Consumer Credit (Agreements) (Amendment) Regulations 2004. (PDF) (link opens in a new window)
Estimates the costs and benefits of implementing consumer credit regulations on disclosure of information and agreements, which aims to bring about the provision of upfront, clear information on credit products and the simplification of the format of regulated agreement.
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| 04/1264 | 09-06-2004 |
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10 Pages
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Regulatory impact assessment: the consumer credit (early settlement) regulations 2004. (PDF) (link opens in a new window)
Regulatory Impact Assessment (RIA) for The Consumer Credit (Early Settlement) Regulations 2004. Looks at the options for the regulations and their various costs and benefits.
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| 04/1190 | 09-06-2004 |
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12 Pages
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Removing barriers to the sharing of non-consensual credit data: Government response to consultation. (PDF) (link opens in a new window)
The Government is keen to promote responsible lending within the credit market. Lenders are encouraged to consider a consumer's credit commitments, usually by sharing credit data via credit reference agencies. Accounts opened before the late 1990s did not contain provision for customers to give permission for data to be shared and lenders are therefore unable to share this non-consensual data. The then DTI issued a consultation on the removal of barriers to the sharing of non-consensual credit data (URN 06/1357) in October 2006, seeking views on the appropriate balance between individuals' rights to privacy and the protection of their data on the one hand and the wider public interest of responsible lending on the other.
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| 08/591 | 12-02-2008 |
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45 Pages
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Review of the regulation of credit and store cards: a consultation. Economic impact assessment. (PDF) (link opens in a new window)
Impact assessment relating to the consultation on the regulation of credit and store cards (URN 09/1392). Includes separate impact assessments on the four policy areas included in this consultation: allocation of payments, minimum payments, unsolicited limit increases, and re-pricing of existing debt. See also the equality impact assessment 09/1402 and the updated economic impact assessment 10/770.
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| 09/1401 | 27-10-2009 |
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95 Pages
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Review of the regulation of credit and store cards: a consultation. Initial equality impact assessment. (PDF) (link opens in a new window)
Equality impact assessment that takes an initial summary view of the equality impact of the policy options in each of the five areas covered by the consultation document (URN 09/1392). More evidence and information is required before coming to a final view on the preferred policy options. Questions are spread throughout this impact assessment and a complete set of all the questions covered by the review can also be found at Annex A of the consultation document. See also the economic impact assessment URN 09/1401 and the updated equality impact assessment 10/771. Feedback was requested by 19 January 2010.
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| 09/1402 | 27-10-2009 |
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29 Pages
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Review of the regulation of credit and store cards: Government response to consultation. Economic impact assessment. (PDF) (link opens in a new window)
Assesses the costs and benefits of proposals relating to the Government response to consultation reviewing the regulation of credit and store cards. Aims to secure a better deal for consumers, giving them improved control of their credit and store card borrowing whilst also ensuring that regulation is proportionate and targeted (URN 10/768). Provides an update to 09/1401. See also the equality impact assessment (10/771) and the summary of responses (10/772).
Internet only
| 10/770 | 15-03-2010 |
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145 Pages
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Review of the regulation of credit and store cards: Government response to the consultation. Updated equality impact assessment. (PDF) (link opens in a new window)
Equality impact appraisal relating to the Government's response to consultation on reviewing the regulation of credit and store cards (URN 10/768). Provides an update to 09/1402. See also the economic impact assessment (10/770) and the summary of responses (10/772).
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| 10/771 | 15-03-2010 |
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30 Pages
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Review of the regulation of credit and store cards: summary of responses to consultation. (PDF) (link opens in a new window)
Summarises responses received relating to the consultation on the review of the regulation of credit and store cards (URN 10/1392). See also the Government response (10/768), economic impact assessment (10/770) and equality impact assessment (10/771).
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| 10/772 | 15-03-2010 |
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71 Pages
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Study of the effects on the UK economy of the revised Consumer Credit Directive. (PDF) (link opens in a new window)
Independent research from Copenhagen Economics commissioned by BERR into the effects of the implementation of the EU Directive on Consumer Credit on the UK economy. The Directive must be implemented by 11 June 2010.
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| 09/967 | 15-05-2009 |
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53 Pages
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Tackling over-indebtedness: annual report 2005. (PDF) (link opens in a new window)
Update on progress against government's plans to tackle over indebtedness.
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| 05/1403 | 25-07-2005 |
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78 Pages
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Tackling over-indebtedness: annual report 2006. (PDF) (link opens in a new window)
The report covers the work of all Departments in tackling over-indebtedness.
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| 06/445 | 16-08-2006 |
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106 Pages
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Tackling over-indebtedness: annual report 2007. (PDF) (link opens in a new window)
The report covers the work of all Government Departments in tackling over-indebtedness.
Internet only
| 07/445 | 03-12-2007 |
A4
94 Pages
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The Consumer Credit (Information Requirements and Duration of Licences and Charges) (Amendment) Regulations 2008: impact assessment. (PDF) (link opens in a new window)
Provides an assessment of the impact of regulations which aim to provide clarity on the information to be set out in annual statements for fixed sum credit agreements, statements for running account credit agreements and notices of sums in arrears.
Internet only
| 08/1031 | 08-07-2008 |
A4
16 Pages
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The Consumer Credit Act 1974 (electronic agreements) order 2004: regulatory impact assessment. (PDF) (link opens in a new window)
An assessment of the costs and benefits of implementing the order that will enable electronic credit agreements.
Internet only
| 04/2123 | 08-12-2004 |
A4
24 Pages
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CONSUMER CREDIT ACT 1974 (AS AMENDED BY THE CONSUMER CREDIT ACT 2006) The Legislative Reform (Consumer Credit) Order 2008: explanatory document. (PDF) (link opens in a new window)
Explains why proposals in the draft Legislative Reform Order have been brought forward. These will amend the Consumer Credit Act 1974 to exempt buy-to-let lending from regulation under the 1974 Act, clarify the position on the giving of statements for fixed-sum credit agreements, and provide a definition of 'payments' for the purpose of issuing notices of sums in arrears. Relates to consultation URN 07/1633, see also Government response 08/954 and draft regulation 08/996X.
Internet only
| 08/956X | 17-06-2008 |
A4
105 Pages
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CONSUMER CREDIT ACT 1974 (AS AMENDED BY THE CONSUMER CREDIT ACT 2006) The Legislative Reform (Consumer Credit) Order 2008: final impact assessment. (PDF) (link opens in a new window)
Full impact assessment of the draft Legislative Reform Order which will amend the Consumer Credit Act 1974 to exempt buy-to-let lending from regulation under the 1974 Act, clarify the position on the giving of statements for fixed-sum credit arrangements, and provide a definition of 'payments' for the purpose of issuing notices of sums in arrears. See also consultation URN 07/1633, Government response 08/954, draft regulation 08/996X and explanatory note 08/956X.
Internet only
| 08/955 | 11-06-2008 |
A4
17 Pages
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The Price Marking Order 2004: Government response to the consultation on proposal to amend the provisions concerning a change to the VAT rate. (PDF) (link opens in a new window)
Government response and next steps for the consultation (URN 09/1367) on the proposal to give businesses a 28 day period to amend their prices when the VAT rate returns to 17.5% on 1 January 2010. Includes a summary of public responses to the consultation.
Internet only
| 09/1531 | 10-12-2009 |
A4
6 Pages
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Understanding consumer over-indebtedness using counselling sector data: scoping study. (PDF) (link opens in a new window)
Report for BIS of a study that aimed was to investigate the feasibility of using individual level data on clients of the Consumer Credit Counselling Service (CCCS) as a dataset for analysing over-indebtedness in the UK. Describes the dataset and provides some basic statistical analysis.
Internet only
| 10/627 | 04-02-2010 |
A4
57 Pages
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Update on draft Consumer Credit Directive Regulations published in October 2009. (PDF) (link opens in a new window)
Details changes made to various articles of the draft Regulations that were published in October 2009.
Internet only
| 10/570 | 01-02-2010 |
A4
7 Pages
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Your credit card is changing [plain English summary of Government response to credit card and store cards consultation]. (PDF) (link opens in a new window)
Plain English version of the Government response (URN 10/768) to the consultation on the review of the regulation of credit and store cards (URN 09/1392). See also plain English summary of the consultation (09/1619).
Internet only
| 10/780 | 15-03-2010 |
A4
3 Pages
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