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Consumer credit agreement definition

What does Consumer credit agreement mean? In practice, a consumer credit agreement is a contract under which a lender provides credit to a consumer (for example, a personal loan, credit card or hire purchase). In England & Wales and Scotland, the Consumer Credit Act 1974 (s.8) defines it as an agreement between an individual (the debtor) and a creditor by which the creditor provides credit of any amount; many such agreements are “regulated agreements” subject to the CCA, secondary regulations and FCA CONC. Northern Ireland has equivalent provisions in the Consumer Credit (Northern Ireland) Order 1996. In Ireland, the concept is governed...

Intra-family interest-bearing unsecured loan: CCA regime?

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There are a number of points to weigh up when determining if a consumer credit agreement is regulated by the Consumer Credit Act 1974 (CCA 1974). Under the CCA 1974, s 8(1), a consumer credit agreement is described as an agreement between an individual (“the debtor”) and any other person (“the creditor”) whereby the creditor extends credit of any amount...

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Web page updated on 27/05/2026

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