This Overview is a guide to the Financial Services content within the subtopic Consumer Credit Agreements, with links to appropriate materials. For information on other aspects of the consumer credit regime, see related materials referenced in FCA consumer credit regime—overview, Consumer credit advertising—overview, Debt management and advice—overview, and Consumer credit—ombudsman and guidance—overview.
Further information on the consumer credit regime can be found in Practice Note: Consumer credit—essentials and the UK Consumer credit—timeline. In addition, comprehensive commentary and materials on consumer credit agreements can be found in Goode on Consumer Credit. See ‘Goode: consumer credit materials’ below for further information and appropriate links to content.
Consumer credit agreements can be regulated or unregulated, and there are several factors to consider when deciding whether a consumer credit agreement is regulated under the regulatory framework of the Financial Services and Markets Act 2000 (FSMA 2000) and its secondary legislation, the Consumer Credit Act 1974 (CCA 1974) and its secondary legislation, and rules and guidance in the Financial Conduct Authority (FCA) Handbook, including its Consumer Credit
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