Consumer Credit Act 1974

Consumer Credit Act 1974 is up to date with all changes known to be in force on or before 16 September 2024. There are changes that may be brought into force at a future date.

Changes to Legislation

Revised legislation carried on this site may not be fully up to date. Changes and effects are recorded by our editorial team in lists which can be found in the ‘Changes to Legislation’ area. Where those effects have yet to be applied to the text of the legislation by the editorial team they are also listed alongside the affected provisions when you open the content using the Table of Contents below.

Changes and effects yet to be applied to :

• s. 16(1)(ff) words repealed by 1996 c. 52Sch. 19Pt. 14
• s. 25(1C) words substituted by S.I. 2013/3115Sch. 2para. 32 (Effect not applied as Pt. 3 was repealed for certain purposes at an earlier date)
• s. 51A 51B inserted by 2010 c. 28s. 15(2)
• s. 51A modified by 2010 c. 28s. 15(4)
• s. 174 restricted by 2003 c. 20s. 115 (This amendment not applied to legislation.gov.uk. S. 174 already repealed (20.6.2003) by 2002 c. 40, ss. 247(d), 278, 279, Sch. 26; S.I. 2003/1397, art. 2, Sch. (with arts. 8, 10))
• s. 174 words substituted by 2003 c. 20Sch. 2para. 19(d) (This amendment not applied to legislation.gov.uk. S. 174 already repealed (20.6.2003) by 2002 c. 40, ss. 247(d), 278, 279, Sch. 26; S.I. 2003/1397, art. 2, Sch. (with arts. 8, 10))
• Sch. 1 words inserted by 2010 c. 28s. 15(3)

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. 28Sch. 2para. 36

1. Introductory Text
2. Part I OFFICE OF FAIR TRADING
   1. 1.General functions of OFT.
   2. 2.Powers of Secretary of State.
   3. 3.OFFICE OF FAIR TRADING
   4. 4.Dissemination of information and advice.
   5. 5.Annual and other reports.
   6. 6.Form etc. of applications.
   7. 6A.Charge on applicants for licences etc.
   8. 7.Penalty for false information.
   1. 8.Consumer credit agreements.
   2. 9.Meaning of credit.
   3. 10.Running-account credit and fixed-sum credit.
   4. 11.Restricted-use credit and unrestricted-use credit.
   5. 12.Debtor-creditor supplier agreements.
   6. 13.Debtor-creditor agreements.
   7. 14.Credit-token agreements.
   8. 15.Consumer hire agreements.
   9. 16.Exempt agreements.
   10. 16A.Exemption relating to high net worth debtors and hirers
   11. 16B.Exemption relating to businesses
   12. 16C.Exemption relating to investment properties
   13. 17.Small agreements.
   14. 18.Multiple agreements.
   15. 19.Linked transactions.
   16. 20.Total charge for credit
   1. Licensing principles
      1. 21.Businesses needing a licence.
      2. 22.Standard and group licences.
      3. 23.Authorisation of specific activities.
      4. 24.Control of name of business.
      5. 24A.Applications for standard licences
      6. 25.Licensee to be a fit person.
      7. 25A.Guidance on fitness test
      8. 26.Conduct of business
      1. 27.Determination of applications.
      2. 27A.Consumer credit EEA firms
      3. 28.Exclusion from group licence.
      1. 28A.Charges to be paid by licensees etc. before end of payment periods
      2. 28B.Extension of period to pay charge under s. 28A
      3. 28C.Failure to pay charge under s. 28A
      1. 29.Renewal.
      2. 30.Variation by request.
      3. 31.Compulsory variation.
      4. 32.. revocation.
      5. 32A.Power to suspend licence
      6. 32B.Duration of suspension
      7. 33.Application to end suspension.
      1. 33A.Power of OFT to impose requirements on licensees
      2. 33B.Power of OFT to impose requirements on supervisory bodies
      3. 33C.Supplementary provision relating to requirements
      4. 33D.Procedure in relation to requirements
      5. 33E.Guidance on requirements
      1. 34.Representations to OFT.
      2. 34ZA.Representations to OFT: suspension under section 32A
      3. 34A.Winding-up of standard licensee's business
      4. 35.The register.
      5. 36.Duty to notify changes.
      6. 36A.Further duties to notify changes etc.
      7. 36B.Power of OFT to require information generally
      8. 36C.Power of OFT to require access to premises
      9. 36D.Entry to premises under warrant
      10. 36E.Failure to comply with information requirement
      11. 36F.Officers of enforcement authorities other than OFT
      12. 37.Death, bankruptcy etc. of licensee.
      13. 38.Application of s. 37 to Scotland and Northern Ireland.
      14. 39.Offences against Part III.
      15. 39A.Power of OFT to impose civil penalties
      16. 39B.Further provision relating to civil penalties
      17. 39C.Statement of policy in relation to civil penalties
      18. 40.Enforcement of agreements made by unlicensed trader.
      1. 40A.The Consumer Credit Appeals Tribunal
      2. 41.Appeals to First-tier Tribunal under Part III.
      3. 41ZA.Tribunal Procedure Rules: suspension of OFT determinations
      4. 41ZB.Disposal of appeals
      5. 41A.Appeals from the Consumer Credit Appeals Tribunal
      6. 42.Licensing of Credit and Hire Businesses
      1. .
         1. 43.Advertisements to which Part IV applies.
         2. 44.Form and content of advertisements.
         3. 45.Prohibition of advertisement where goods etc. not sold for cash.
         4. 46.False or misleading advertisements.
         5. 47.Advertising infringements.
         1. 48.Definition of canvassing off trade premises (regulated agreements).
         2. 49.Prohibition of canvassing debtor-creditor agreements off trade premises.
         3. 50.Circulars to minors.
         4. 51.Prohibition of unsolicited credit-tokens.
         5. 51A.Restrictions on provision of credit card cheques
         6. .Section 51A: exemption for business
         1. 52.Quotations.
         2. 53.Duty to display information.
         3. 54.Conduct of business regulations.
         1. Preliminary matters
            1. 55.Disclosure of information.
            2. 55A.Pre-contractual explanations etc
            3. 55B.Assessment of creditworthiness
            4. 55C.Copy of draft consumer credit agreement
            5. 56.Antecedent negotiations.
            6. 57.Withdrawal from prospective agreement.
            7. 58.Opportunity for withdrawal from prospective land mortgage.
            8. 59.Agreement to enter future agreement void.
            1. 60.Form and content of agreements.
            2. 61.Signing of agreement.
            3. 61A.Duty to supply copy of executed consumer credit agreement
            4. 61B.Duty to supply copy of overdraft agreement
            5. 62.Duty to supply copy of unexecuted agreement : excluded agreements.
            6. 63.Duty to supply copy of executed agreement : excluded agreements.
            7. 64.Duty to give notice of cancellation rights.
            8. 65.Consequences of improper execution.
            9. 66.Acceptance of credit-tokens.
            1. 66A.Withdrawal from consumer credit agreement
            1. 67.Cancellable agreements.
            2. 68.Cooling-off period.
            3. 69.Notice of cancellation.
            4. 70.Cancellation: recovery of money paid by debtor or hirer.
            5. 71.Cancellation: repayment of credit.
            6. 72.Cancellation: return of goods.
            7. 73.Cancellation: goods given in part-exchange.
            1. 74.Exclusion of certain agreements from Part V.
            1. 74A.Information to be provided on a current account agreement
            2. 74B.Information to be provided on significant overdrawing without prior arrangement
            1. 75.Liability of creditor for breaches by supplier.
            2. 75A.Further provision for liability of creditor for breaches by supplier
            3. 76.Duty to give notice before taking certain action.
            4. 77.Duty to give information to debtor under fixed-sum credit agreement.
            5. 77A.Statements to be provided in relation to fixed-sum credit agreements
            6. 77B.Fixed-sum credit agreement: statement of account to be provided on request
            7. 78.Duty to give information to debtor under running-account credit agreement.
            8. 78A.Duty to give information to debtor on change of rate of interest
            9. 79.Duty to give hirer information.
            10. 80.Debtor or hirer to give information about goods.
            11. 81.Appropriation of payments.
            12. 82.Variation of agreements.
            13. 82A.Assignment of rights
            14. 83.Liability for misuse of credit facilities.
            15. 84.Misuse of credit-tokens.
            16. 85.Duty on issue of new credit-tokens.
            17. 86.Death of debtor or hirer.
            18. Information sheets
                1. 86A.FCA to prepare information sheets on arrears and default
                1. 86B.Notice of sums in arrears under fixed-sum credit agreements etc.
                2. 86C.Notice of sums in arrears under running-account credit agreements
                3. 86D.Failure to give notice of sums in arrears
                4. 86E.Notice of default sums
                5. 86F.Interest on default sums
                1. Default notices
                   1. 87.Need for default notice.
                   2. 88.Contents and effect of default notice.
                   3. 89.Compliance with default notice.
                   1. 90.Retaking of protected hire-purchase etc. goods.
                   2. 91.Consequences of breach of s. 90.
                   3. 92.Recovery of possession of goods or land.
                   4. 93.Interest not to be increased on default.
                   5. 93A.Summary diligence not competent in Scotland.
                   1. 94.Right to complete payments ahead of time.
                   2. 95.Rebate on early settlement.
                   3. 95A.Compensatory amount
                   4. 95B.Compensatory amount: green deal finance
                   5. 96.Effect on linked transactions.
                   6. 97.Duty to give information.
                   7. 97A.Duty to give information on partial repayment
                   1. 98.Duty to give notice of termination (non-default cases).
                   2. 98A.Termination etc of open-end consumer credit agreements
                   3. 99.Right to terminate hire-purchase etc. agreements.
                   4. 100.Liability of debtor on termination of hire-purchase etc. agreement.
                   5. 101.Right to terminate hire agreement.
                   6. 102.Agency for receiving notice of rescission.
                   7. 103.Termination statements.
                   8. 104.Goods not to be treated as subject to landlord’s hypothec in Scotland.
                   1. General
                      1. 105.Form and content of securities.
                      2. 106.Ineffective securities.
                      3. 107.Duty to give information to surety under fixed-sum credit agreement.
                      4. 108.Duty to give information to surety under running-account credit agreement.
                      5. 109.Duty to give information to surety under consumer hire agreement.
                      6. 110.Duty to give information to debtor or hirer.
                      7. 111.Duty to give surety copy of default etc. notice.
                      8. 112.Realisation of securities.
                      9. 113.Act not to be evaded by use of security.
                      1. 114.Pawn-receipts.
                      2. 115.Penalty for failure to supply copies of pledge agreement, etc.
                      3. 116.Redemption period.
                      4. 117.Redemption procedure.
                      5. 118.Loss etc. of pawn-receipt.
                      6. 119.Unreasonable refusal to deliver pawn.
                      7. 120.Consequence of failure to redeem.
                      8. 121.Realisation of pawn.
                      9. 122.Order in Scotland to deliver pawn.
                      1. 123.Restrictions on taking and negotiating instruments.
                      2. 124.Consequences of breach of s. 123.
                      3. 125.Holders in due course.
                      1. 126.Enforcement of land mortgages.
                      1. Enforcement of certain regulated agreements and securities
                         1. 127.Enforcement orders in cases of infringement.
                         2. 128.Enforcement orders on death of debtor or hirer.
                         1. 129.Time orders.
                         2. 129A.Debtor or hirer to give notice of intent etc. to creditor or owner
                         3. 130.Supplemental provisions about time orders.
                         1. 130A.Interest payable on judgment debts etc.
                         1. 131.Protection orders.
                         1. 132.Financial relief for hirer.
                         2. 133.Hire-purchase etc. agreements: special powers of court.
                         3. 134.Evidence of adverse detention in hire-purchase etc. cases.
                         1. 135.Power to impose conditions, or suspend operation of order.
                         2. 136.Power to vary agreements and securities.
                         1. 137.Extortionate credit bargains.
                         2. 138.When bargains are extortionate.
                         3. 139.Reopening of extortionate agreements.
                         4. 140.Interpretation of sections 137 to 139.
                         1. 140A.Unfair relationships between creditors and debtors
                         2. 140B.Powers of court in relation to unfair relationships
                         3. 140C.Interpretation of ss. 140A and 140B
                         4. 140D.Advice and information
                         1. 141.Jurisdiction and parties.
                         2. 142.Power to declare rights of parties.
                         1. 143.Jurisdiction of county court in Northern Ireland.
                         2. 144.Appeal from county court in Northern Ireland.
                         1. Definitions
                            1. 145.Types of ancillary credit business.
                            2. 146.Exceptions from section 145.
                            1. 147.Application of Part III.
                            2. 148.Agreement for services of unlicensed trader.
                            3. 149.Regulated agreements made on introductions by unlicensed credit-broker.
                            4. 150.Appeals to Secretary of State against licensing decisions.
                            1. 151.Advertisements.
                            2. 152.Application of sections 52 to 54 to credit brokerage etc.
                            3. 153.Definition of canvassing off trade premises (agreements for ancillary credit services).
                            4. 154.Prohibition of canvassing certain ancillary credit services off trade premises.
                            5. 155.Right to recover brokerage fees.
                            1. 156.Entry into agreements.
                            1. 157.Duty to disclose name etc. of agency.
                            2. 158.Duty of agency to disclose filed information.
                            3. 159.Correction of wrong information.
                            4. 160.Alternative procedure for business consumers.
                            5. 160A.Credit intermediaries
                            1. 161.Enforcement authorities.
                            2. 162.Powers of entry and inspection.
                            3. 163.Compensation for loss.
                            4. 164.Power to make test purchases etc.
                            5. 165.Obstruction of authorised officers.
                            6. 166.Notification of convictions and judgments to FCA.
                            7. 167.Penalties.
                            8. 168.Defences.
                            9. 169.Offences by bodies corporate.
                            10. 170.No further sanctions for breach of Act.
                            11. 171.Onus of proof in various proceedings.
                            12. 172.Statements by creditor or owner to be binding.
                            13. 173.Contracting-out forbidden.
                            1. 174.Restrictions on disclosure of information.
                            2. 174A.Powers to require provision of information or documents etc.
                            3. 175.Duty of persons deemed to be agents.
                            4. 176.Service of documents.
                            5. 176A.Electronic transmission of documents
                            6. 177.Saving for registered charges.
                            7. 178.Local Acts.
                            8. Regulations, orders, etc.
                               1. 179.Power to prescribe form etc. of secondary documents.
                               2. 180.Power to prescribe form etc. of copies.
                               3. 181.Power to alter monetary limits etc.
                               4. 182.Regulations and orders.
                               5. 183.Determinations etc. by FCA .
                               1. 184.Associates.
                               2. 185.Agreement with more than one debtor or hirer.
                               3. 186.Agreement with more than one creditor or owner.
                               4. 187.Arrangements between creditor and supplier.
                               5. 187A.Definition of ‘default sum’
                               6. 188.Examples of use of new terminology.
                               7. 189.Definitions.
                               8. 189A.Meaning of “consumer credit EEA firm ”
                               9. 189B.Green deal plans
                               10. 189C.Section 189B: supplementary provision
                               11. 189D.Section 189B: temporary provision
                               12. 190.Financial provisions.
                               13. 191.Special provisions as to Northern Ireland.
                               14. 192.Transitional and commencement provisions, amendments and repeals.
                               15. 193.Short title and extent.
                               1. SCHEDULE A1The Consumer Credit Appeals Tribunal
                                  1. Part 1 Interpretation
                                     1. 1.In this Schedule— “the Deputy President” means the Deputy President.
                                     1. The President and the Deputy President
                                        1. 2.(1) The Lord Chancellor shall appoint one of the members.
                                        1. 3.(1) The Lord Chancellor shall appoint a panel of persons.
                                        1. 4.(1) Each member of the panel of chairmen or the.
                                        1. 5.The Lord Chancellor may pay to a person in respect.
                                        1. 6.(1) The Lord Chancellor may appoint such staff for the.
                                        1. 7.(1) On an appeal to the Tribunal, the persons to.
                                        1. Sittings
                                           1. 8.The Tribunal shall sit at such times and in such.
                                           1. 9.(1) Subject to sub-paragraph (2), the Tribunal may, on an.
                                           1. 10.Rules may include, amongst other things, provision—
                                           1. 11.The Consumer Credit Appeals Tribunal
                                           1. 12.(1) The Tribunal shall decide an appeal by reference to.
                                           1. 13.(1) A decision of the Tribunal may be taken by.
                                           1. 14.(1) Where the Tribunal disposes of an appeal and—
                                           2. 15.Where— (a) the Tribunal disposes of an appeal or an.
                                           3. 16.An order of the Tribunal under paragraph 14 or 15.
                                           1. Part I Lists of Terms
                                           2. Part II
                                              1. EXAMPLES
                                              2. Example 1
                                              3. Facts.Correspondence passes between an employee of a moneylending company (writing.
                                              4. Analysis.The correspondence constitutes antecedent negotiations falling within section 56(1)(a), the.
                                              5. Example 2
                                              6. Facts.Representations are made about goods in a poster displayed by.
                                              7. Analysis.The representations in the poster constitute antecedent negotiations falling within.
                                              8. Example 3
                                              9. Facts.Discussions take place between a shopkeeper and a customer about.
                                              10. Analysis.The discussions constitute antecedent negotiations falling within section 56(1)(c), the.
                                              11. Example 4
                                              12. Facts.Discussions take place and correspondence passes between a secondhand car.
                                              13. Analysis.The discussions and correspondence constitute antecedent negotiations in relation both.
                                              14. Example 5
                                              15. Facts.E agrees to sell to F (an individual) an item.
                                              16. Analysis.This is a credit-sale agreement (see definition of “credit-sale agreement.
                                              17. Example 6
                                              18. Facts.The G Bank grants H (an individual) an unlimited overdraft.
                                              19. Analysis.Although the overdraft purports to be unlimited, the stipulation for.
                                              20. Example 7
                                              21. Facts.J is an individual who owns a small shop which.
                                              22. Analysis.Although the agreement appears to provide unlimited credit, it is.
                                              23. Example 8
                                              24. Facts.U, a moneylender, lends £500 to V (an individual) knowing.
                                              25. Analysis.Although this appears to fall under section 11(1)(b), it is.
                                              26. Example 9
                                              27. Facts.A agrees to lend B (an individual) £4,500 in nine.
                                              28. Analysis.This is a cash loan and is a form of.
                                              29. Example 10
                                              30. Facts.C (in England) agrees to bail goods to D (an.
                                              31. Analysis.This is a hire-purchase agreement with a deposit of £1,000.
                                              32. Example 11
                                              33. Facts.X (an individual) borrows £500 from Y (Finance). As a.
                                              34. (a) to execute a second mortgage on his house in.
                                              35. (b) to take out a policy of insurance on his.
                                              36. In accordance with the loan agreement, the policy is charged.
                                              37. Analysis.The second mortgage is a transaction for the provision of.
                                              38. Example 12
                                              39. Facts.The N Bank agrees to lend O (an individual) £2,000.
                                              40. Analysis.The agreement is a consumer credit agreement by virtue of.
                                              41. Example 13
                                              42. Facts.Q, a debt-adjuster, agrees to pay off debts owed by.
                                              43. Analysis.This is an agreement to refinance existing indebtedness of the.
                                              44. Example 14
                                              45. Facts.On payment of £1, S issues to T (an individual).
                                              46. AnalysisThe trading check is a credit-token falling within section 14(1)(b).
                                              47. Example 15
                                              48. Facts.A retailer L agrees with M (an individual) to open.
                                              49. Analysis.This agreement provides credit falling within the definition of running-account.
                                              50. Example 16
                                              51. Facts.Under an unsecured agreement, A (Credit), an associate of the.
                                              52. Analysis.This is a credit-token agreement falling within section 14(1)(a) and.
                                              53. Example 17
                                              54. Facts.The manager of the C Bank agrees orally with D.
                                              55. Analysis.In drawing the cheque D, by implication, requests the Bank.
                                              56. Example 18
                                              57. Facts.F (an individual) has had a current account with the.
                                              58. Analysis.It might well be held that the agreement with F.
                                              59. Example 19
                                              60. Facts.H (a finance house) agrees with J (a partnership of.
                                              61. Analysis.This is a personal running-account credit agreement (see sections 8(1).
                                              62. Example 20
                                              63. Facts.K (in England) agrees with L (an individual) to bail.
                                              64. Analysis.This is not a hire-purchase agreement (see paragraph (b) of.
                                              65. Example 21
                                              66. Facts.The P Bank decides to issue cheque cards to its.
                                              67. Analysis.The agreement under which the cheque card is issued to.
                                              68. Example 22
                                              69. Facts.The facts are as in Example 16. On one occasion.
                                              70. Analysis.In exceeding his credit limit B, by implication, requests A.
                                              71. Example 23
                                              72. Facts.Under an oral agreement made on 10th January, X (an.
                                              73. Analysis.The agreement of 10th January is a consumer credit agreement.
                                              74. Example 24
                                              75. Facts.On 1st March 1975 Z (in England) enters into an.
                                              76. Analysis.When entered into on 1st March 1975, the agreement is.
                                              77. The effect of the modifying agreement of 1st January 1978.
                                              78. The total rental under the modifying agreement is £1,850. Accordingly.
                                              1. Note.Except as otherwise mentioned in this Schedule, the provisions of.
                                              2. Part II of Act Credit Agreements, Hire Agreements and Linked Transactions
                                                 1. Regulated agreements
                                                    1. 1.(1) An agreement made before 1st April 1977is not a.
                                                    1. 2.A transaction may be a linked transaction in relation to.
                                                    2. 3.Section 19(3) applies only to transactions entered into on or.
                                                    1. 4.Section 20 applies to consumer credit agreements whenever made.
                                                    1. .
                                                       1. 5..
                                                       1. 6.. . . . . . . . . .
                                                       1. 7.. . . . . . . . . .
                                                       1. Advertisements
                                                          1. 8.Part IV does not apply to any advertisement published before.
                                                          1. 9.Section 49 comes into operation on 1st October 1977.
                                                          1. 10.Section 50 comes into operation on 1st July 1977.
                                                          1. 11.. . . . . . . . . .
                                                          1. Antecedent negotiations
                                                             1. 12.(1) Section 56 applies to negotiations in relation to an.
                                                             1. 13.Sections 57 to 59, 61 to 65 and 67 to.
                                                             2. 14.Section 66 comes into operation on 19th May 1985.
                                                             1. Liability of creditor for breaches by supplier
                                                                1. 15.Section 75 comes into operation on 1st July 1977 but.
                                                                1. 16.(1) Section 76 comes into operation on 19th May 1985.
                                                                1. 17.(1) Sections 77 to 80 come into operation on 19th.
                                                                1. 18.Section 81 comes into operation on 19th May 1985.
                                                                1. 19.Section 82 comes into operation on 1st April 1977.
                                                                1. 20.(1) Sections 83 and 84 come into operation on 19th.
                                                                1. 21.(1) Section 85 comes into operation on 19th May 1985.
                                                                1. 22.(1) Section 86 comes into operation on 19th May 1985.
                                                                1. Default notices
                                                                   1. 23.Sections 87 to 89 come into operation on 19th May.
                                                                   1. 24.Sections 90 and 91 come into operation on 19th May.
                                                                   2. 25.Section 92 comes into operation on 19th May 1985.
                                                                   1. 26.Section 93 comes into operation on 19th May 1985.
                                                                   1. 27.Sections 94 to 97 come into operation on 19th May.
                                                                   1. 28.Section 98 comes into operation on 19th May 1985.
                                                                   2. 29.Section 99 comes into operation on 19th May 1985.
                                                                   3. 30.Section 100 comes into operation on 19th May 1985.
                                                                   4. 31.Section 101 comes into operation on 19th May 1985.
                                                                   5. 32.Section 102 comes into operation on 19th May 1985.
                                                                   6. 33.Section 103 comes into operation on 19th May 1985.
                                                                   7. 34.Section 104 comes into operation on 19th May 1985.
                                                                   1. 35.Part VII (except sections 90, 91, 93 and 99 to.
                                                                   1. General
                                                                      1. 36.Section 105 comes into operation on 19th May 1985.
                                                                      2. 37.(1) Sections 107 to 110 come into operation on 19th.
                                                                      3. 38.(1) Section 111 comes into operation on 19th May 1985.
                                                                      1. 39.Sections 114 to 122 come into operation on 19th May.
                                                                      1. 40.Sections 123 to 125 come into operation on 19th May.
                                                                      1. 41.Section 126 comes into operation on 19th May 1985.
                                                                      1. 42.Sections 137 to 140 (extortionate credit bargains) come into operation.
                                                                      2. 43.Subject to paragraph 42, Part IX comes into operation on.
                                                                      1. .
                                                                         1. 44.. . . . . . . . . .
                                                                         1. 45.. . . . . . . . . .
                                                                         1. 46.. . . . . . . . . .
                                                                         1. 47.Subsections (1) and (2) of section 151 do not apply.
                                                                         1. 48.Sections 157 and 158 do not apply to a request.
                                                                         1. Interpretation
                                                                            1. 49.(1) In the case of an agreement—
                                                                            2. 50.In section 189, the definition of “local authority ” shall.
                                                                            1. PART I UNITED KINGDOM
                                                                               1. Bills of Sale Act (1878) Amendment Act 1882
                                                                                  1. 1.The following section shall be inserted after section 7 Default.
                                                                                  1. 2.At the end of section 9 insert For the purposes.
                                                                                  2. 3, 4.MINOR AND CONSEQUENTIAL AMENDMENTS
                                                                                  1. 5.The following section shall be inserted after section 4— Hire.
                                                                                  1. 6.The following section shall be inserted after section 38— Hire.
                                                                                  1. 7.In section 13 after “hire-purchase agreement ” insert “or a.
                                                                                  2. 8.In section 17(1)— (1) After the definition of “aircraft ”.
                                                                                  1. 9.In section 1(3), for paragraphs (a) and (b) substitute—
                                                                                  2. 10.MINOR AND CONSEQUENTIAL AMENDMENTS
                                                                                  1. 11.MINOR AND CONSEQUENTIAL AMENDMENTS
                                                                                  1. 12.In section 4 for subsections (4), (5) and (6), substitute—.
                                                                                  2. 13.For section 10 substitute— Property in goods subject to hire-purchase.
                                                                                  3. 14.In section 64(I)— (1) after the definition of “compulsory national.
                                                                                  1. 15.MINOR AND CONSEQUENTIAL AMENDMENTS
                                                                                  2. 16.MINOR AND CONSEQUENTIAL AMENDMENTS
                                                                                  1. 17.For section 26(3) substitute— (3) In this Part of this.
                                                                                  1. 18.For section 94 substitute— Power to provide furniture. A local authority may fit out, furnish and supply any.
                                                                                  1. 19.MINOR AND CONSEQUENTIAL AMENDMENTS
                                                                                  2. 20, 21.MINOR AND CONSEQUENTIAL AMENDMENTS
                                                                                  1. 22.For Part III substitute the following (which reproduces the existing.
                                                                                  1. 23.In section 1— (1) In subsection (1) for “or credit-sale.
                                                                                  1. 24.In section 2, for subsection (1) substitute— No person shall after the coming into force of this.
                                                                                  2. 25.In section 3, for subsection (4) substitute—
                                                                                  3. 26.In section 10(1)— (1) after the definition of “cash value.
                                                                                  1. 27.MINOR AND CONSEQUENTIAL AMENDMENTS
                                                                                  1. 28.MINOR AND CONSEQUENTIAL AMENDMENTS
                                                                                  2. 29.MINOR AND CONSEQUENTIAL AMENDMENTS
                                                                                  1. 30.After section 38 insert the following new section— This Part of this Act shall not apply to a.
                                                                                  2. 31.In section 54(6)(c) after “36 ” insert “38A ”.
                                                                                  1. 32.MINOR AND CONSEQUENTIAL AMENDMENTS
                                                                                  2. 33.MINOR AND CONSEQUENTIAL AMENDMENTS
                                                                                  1. 34.In section 21(5)— (a) for “total purchase price or hire-purchase.
                                                                                  1. 35.For sections 8 to 12 substitute the following sections (which.
                                                                                  2. 36.For sections 14 and 15 substitute the following sections (which.
                                                                                  1. 37.MINOR AND CONSEQUENTIAL AMENDMENTS
                                                                                  1. Irish Bankrupt and Insolvent Act 1857
                                                                                     1. 38.MINOR AND CONSEQUENTIAL AMENDMENTS
                                                                                     1. 39.The following section shall be inserted after section 7:— Defaults.
                                                                                     1. 40.In section 1(3), for paragraph (a) and (b) substitute—
                                                                                     2. 41, 42.MINOR AND CONSEQUENTIAL AMENDMENTS
                                                                                     1. 43.In section 2, for subsection (1) substitute—
                                                                                     2. 44.In section 3, for subsection (4) substitute—
                                                                                     3. 45.In section 9— (1) after the definition of “cash value.
                                                                                     4. 46, 47.MINOR AND CONSEQUENTIAL AMENDMENTS
                                                                                     5. 48.MINOR AND CONSEQUENTIAL AMENDMENTS
                                                                                     1. 49.For Part VI substitute the following (which reproduces the existing.
                                                                                     1. 50.MINOR AND CONSEQUENTIAL AMENDMENTS
                                                                                     1. 51.In section 1(2) for “VII ” where first occurring substitute.