The Financial Services (Distance Marketing) Regulations 2004

[^key-9fd7ed771ccea8fefa9678fa8ebe5a09]: Words in reg. 2(1) substituted (1.4.2013) by The Financial Services Act 2012 (Consequential Amendments and Transitional Provisions) Order 2013 (S.I. 2013/472), Sch. 2 para. 97(a)

[^key-1cfad4de9c22d265719a090c6e1123cd]: Words in reg. 2(1) omitted (1.4.2013) by virtue of The Financial Services Act 2012 (Consequential Amendments and Transitional Provisions) Order 2013 (S.I. 2013/472), Sch. 2 para. 97(b)

[^key-88c4edd66e5e00c52c75461668bf537f]: Reg. 17(2A)(2B) inserted (26.2.2014 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services and Markets Act 2000 (Consumer Credit) (Miscellaneous Provisions) Order 2014 (S.I. 2014/208), arts. 1(3)(4), 3(3)(c)

[^key-9b3e9f282296f2048add524e5370e44c]: Words in reg. 2 inserted (26.2.2014 for specified purposes, 1.4.2014 insofar as not already in force) by The Financial Services and Markets Act 2000 (Consumer Credit) (Miscellaneous Provisions) Order 2014 (S.I. 2014/208), arts. 1(3)(4), 3(2)(a)

[^key-1c3d1b71fd8083e2ebfa5aff858aa075]: Words in reg. 2 omitted (26.2.2014 for specified purposes, 1.4.2014 insofar as not already in force) by virtue of The Financial Services and Markets Act 2000 (Consumer Credit) (Miscellaneous Provisions) Order 2014 (S.I. 2014/208), arts. 1(3)(4), 3(2)(b)

[^key-b999c76b9cff9a4028102f0e104ba57f]: Words in reg. 2 inserted (26.2.2014 for specified purposes, 1.4.2014 insofar as not already in force) by The Financial Services and Markets Act 2000 (Consumer Credit) (Miscellaneous Provisions) Order 2014 (S.I. 2014/208), arts. 1(3)(4), 3(2)(c)

[^key-e5ed974b6c21fba9b895aa84fa924978]: Words in reg. 17(2)(c) omitted (26.2.2014 for specified purposes, 1.4.2014 in so far as not already in force) by virtue of The Financial Services and Markets Act 2000 (Consumer Credit) (Miscellaneous Provisions) Order 2014 (S.I. 2014/208), arts. 1(3)(4), 3(3)(b)(ii)

[^key-a4cb8ab937fcc90feaf348bb064014ea]: Words in reg. 2(1) substituted (26.7.2013 for specified purposes, 1.4.2014 insofar as not already in force) by The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013 (S.I. 2013/1881), art. 1(2)(6), Sch. para. 26(a)

[^key-b10d36073ad07bcde55d363a015cf2b1]: Words in reg. 17(1)(a) substituted (26.2.2014 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services and Markets Act 2000 (Consumer Credit) (Miscellaneous Provisions) Order 2014 (S.I. 2014/208), arts. 1(3)(4), 3(3)(a)(i)

[^key-899eeacc7a94bf8edc84cb05f02bd797]: Word in reg. 17(1)(b) substituted (26.2.2014 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services and Markets Act 2000 (Consumer Credit) (Miscellaneous Provisions) Order 2014 (S.I. 2014/208), arts. 1(3)(4), 3(3)(a)(ii)

[^key-a4ad981d6cf8eb71dc7def9fc5441037]: Word in reg. 17(1)(c)(i) substituted (26.2.2014 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services and Markets Act 2000 (Consumer Credit) (Miscellaneous Provisions) Order 2014 (S.I. 2014/208), arts. 1(3)(4), 3(3)(a)(iii)

[^key-5fdfacddd8349fb6febc4c01c3d31de6]: Words in reg. 17(2)(a) inserted (26.2.2014 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services and Markets Act 2000 (Consumer Credit) (Miscellaneous Provisions) Order 2014 (S.I. 2014/208), arts. 1(3)(4), 3(3)(b)(i)

[^key-dc24eed41039fd38564a6351689f732e]: Words in reg. 18(1)(b) substituted (26.2.2014 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services and Markets Act 2000 (Consumer Credit) (Miscellaneous Provisions) Order 2014 (S.I. 2014/208), arts. 1(3)(4), 3(4)(a)

[^key-3e03f964f8a782fc57517bd1d109199c]: Words in reg. 18(2) substituted (26.2.2014 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services and Markets Act 2000 (Consumer Credit) (Miscellaneous Provisions) Order 2014 (S.I. 2014/208), arts. 1(3)(4), 3(4)(b)

[^key-48db041faa435160b3754756c8fb5b01]: Words in reg. 19(2) substituted (26.2.2014 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services and Markets Act 2000 (Consumer Credit) (Miscellaneous Provisions) Order 2014 (S.I. 2014/208), arts. 1(3)(4), 3(5)(a)

[^key-a05df2090e032b29c1fde8e4332e7270]: Words in reg. 19(2) omitted (26.2.2014 for specified purposes, 1.4.2014 in so far as not already in force) by virtue of The Financial Services and Markets Act 2000 (Consumer Credit) (Miscellaneous Provisions) Order 2014 (S.I. 2014/208), arts. 1(3)(4), 3(5)(b)

[^key-bd3983685af04d8dbb7a5df868a76cb4]: Words in reg. 20 heading substituted (26.2.2014 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services and Markets Act 2000 (Consumer Credit) (Miscellaneous Provisions) Order 2014 (S.I. 2014/208), arts. 1(3)(4), 3(6)

[^key-214e0955b5ec082fb09ae5fa2c2836b5]: Words in reg. 20 substituted (26.2.2014 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services and Markets Act 2000 (Consumer Credit) (Miscellaneous Provisions) Order 2014 (S.I. 2014/208), arts. 1(3)(4), 3(7)(a)

[^key-2ddb85dfefd8514f3e6e0662ed509f25]: Words in reg. 20 omitted (26.2.2014 for specified purposes, 1.4.2014 in so far as not already in force) by virtue of The Financial Services and Markets Act 2000 (Consumer Credit) (Miscellaneous Provisions) Order 2014 (S.I. 2014/208), arts. 1(3)(4), 3(7)(b)

[^key-c950d57f0cc8625114962201cb339ff2]: Words in reg. 21(1) substituted (26.2.2014 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services and Markets Act 2000 (Consumer Credit) (Miscellaneous Provisions) Order 2014 (S.I. 2014/208), arts. 1(3)(4), 3(8)(a)

[^key-6cdff8742a57fb8cf05fcf2521197a19]: Words in reg. 21(2) substituted (26.2.2014 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services and Markets Act 2000 (Consumer Credit) (Miscellaneous Provisions) Order 2014 (S.I. 2014/208), arts. 1(3)(4), 3(8)(b)

[^key-70615f2903ea0a24c6726fc94fbd58fc]: Words in reg. 21(3) substituted (26.2.2014 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services and Markets Act 2000 (Consumer Credit) (Miscellaneous Provisions) Order 2014 (S.I. 2014/208), arts. 1(3)(4), 3(8)(b)

[^key-0c3080c76dfee1228406f7ce3fc0ccb0]: Reg. 22(6)(aa) inserted (26.2.2014 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services and Markets Act 2000 (Consumer Credit) (Miscellaneous Provisions) Order 2014 (S.I. 2014/208), arts. 1(3)(4), 3(9)(a)

[^key-8f68a814b1e83eb9dc0940772c7b9274]: Word in reg. 22(6)(b) substituted (26.2.2014 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services and Markets Act 2000 (Consumer Credit) (Miscellaneous Provisions) Order 2014 (S.I. 2014/208), arts. 1(3)(4), 3(9)(b)

[^key-7340314af6070118c2022803cafa1daa]: Reg. 11(1)(h) substituted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013 (S.I. 2013/1881), art. 1(2)(6), Sch. para. 26(b)

[^key-6caf03c417f42a03ca11268b07a31270]: Reg. 11(1)(e) substituted (13.6.2014 with application in accordance with reg. 1(2) of the amending S.I.) by The Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 (S.I. 2013/3134), reg. 1(1), Sch. 4 para. 4 (as amended by S.I. 2014/870, regs. 1(2), 9(5)(a)) (with reg. 6)

[^key-cdab82ddcf4f39c70d0b99cf46efbfc4]: Word in reg. 7(1A) substituted (13.1.2018) by The Payment Services Regulations 2017 (S.I. 2017/752), reg. 1(6), Sch. 8 para. 10(a) (with reg. 3)

[^key-244afb35a657f0547b882d6eba24d1ca]: Word in reg. 8(1A) substituted (13.1.2018) by The Payment Services Regulations 2017 (S.I. 2017/752), reg. 1(6), Sch. 8 para. 10(b) (with reg. 3)

[^key-4d4595d2c88510000023f0ca441ecc87]: Words in reg. 2(1) substituted (14.3.2019) by The Financial Services (Distance Marketing) (Amendment and Savings Provisions) (EU Exit) Regulations 2019 (S.I. 2019/574), regs. 1(2), 3

[^key-48391f9480ca935c232bfedb12267370]: Words in reg. 2(1) omitted (31.12.2020) by virtue of The Financial Services (Distance Marketing) (Amendment and Savings Provisions) (EU Exit) Regulations 2019 (S.I. 2019/574), regs. 1(3), 5(a); 2020 c. 1, Sch. 5 para. 1(1)

[^key-25093f8862ac7b12e2044b3b76f1dda7]: Words in reg. 2(1) inserted (31.12.2020) by The Financial Services (Distance Marketing) (Amendment and Savings Provisions) (EU Exit) Regulations 2019 (S.I. 2019/574), regs. 1(3), 5(b); 2020 c. 1, Sch. 5 para. 1(1)

[^key-2a89cb78c0006dc306ce1d8964079afa]: Reg. 4(1)-(1C) substituted for reg. 4(1) (31.12.2020) by The Financial Services (Distance Marketing) (Amendment and Savings Provisions) (EU Exit) Regulations 2019 (S.I. 2019/574), regs. 1(3), 6(a) (with reg. 11) (as amended by S.I. 2020/1301, regs. 1, 3, Sch. para. 31); 2020 c. 1, Sch. 5 para. 1(1)

[^key-bab922e03a6b0c2ce22a71eb606083d6]: Words in reg. 4(5) substituted (31.12.2020) by The Collective Investment Schemes (Amendment etc.) (EU Exit) Regulations 2019 (S.I. 2019/325), regs. 1(2), 56(a)(i) (with savings in S.I. 2019/680, reg. 11); 2020 c. 1, Sch. 5 para. 1(1)

[^key-3b8c0be6432e2e01ddb336abc1266c47]: Words in reg. 4(5) inserted (31.12.2020) by The Collective Investment Schemes (Amendment etc.) (EU Exit) Regulations 2019 (S.I. 2019/325), regs. 1(2), 56(a)(ii) (with savings in S.I. 2019/680, reg. 11); 2020 c. 1, Sch. 5 para. 1(1)

[^key-b8238eda124eb1678df77440eddc3d8d]: Reg. 4(6) substituted (31.12.2020) by The Collective Investment Schemes (Amendment etc.) (EU Exit) Regulations 2019 (S.I. 2019/325), regs. 1(2), 56(b) (with savings in S.I. 2019/680, reg. 11); 2020 c. 1, Sch. 5 para. 1(1)

[^key-025c5ff62ba22bd8e4e1cefeb6bd7c7c]: Words in reg. 4(6) substituted (31.12.2020) by The Financial Services (Distance Marketing) (Amendment and Savings Provisions) (EU Exit) Regulations 2019 (S.I. 2019/574), regs. 1(3), 6(b); 2020 c. 1, Sch. 5 para. 1(1)

[^key-1f03f9d7dc8591b6846be23650a9541f]: Word in reg. 7(1A) omitted (31.12.2020) by virtue of The Financial Services (Distance Marketing) (Amendment and Savings Provisions) (EU Exit) Regulations 2019 (S.I. 2019/574), regs. 1(3), 7(a); 2020 c. 1, Sch. 5 para. 1(1)

[^key-e06b35bef4fd3e90217f40952895506e]: Words in reg. 7(7)(a) substituted (31.12.2020) by The Financial Services (Distance Marketing) (Amendment and Savings Provisions) (EU Exit) Regulations 2019 (S.I. 2019/574), regs. 1(3), 7(b); 2020 c. 1, Sch. 5 para. 1(1)

[^key-19f93fd1581afaf1dc7244525d8817f2]: Word in reg. 8(1A) omitted (31.12.2020) by virtue of The Financial Services (Distance Marketing) (Amendment and Savings Provisions) (EU Exit) Regulations 2019 (S.I. 2019/574), regs. 1(3), 8(a); 2020 c. 1, Sch. 5 para. 1(1)

[^key-45e227b2391660426210091173daabfc]: Words in reg. 8(1C)(a)(i) substituted (31.12.2020) by The Financial Services (Distance Marketing) (Amendment and Savings Provisions) (EU Exit) Regulations 2019 (S.I. 2019/574), regs. 1(3), 8(b); 2020 c. 1, Sch. 5 para. 1(1)

[^key-a1032f6577a8d5161bd634fa45dd1453]: Reg. 16(3) substituted (31.12.2020) by The Financial Services (Distance Marketing) (Amendment and Savings Provisions) (EU Exit) Regulations 2019 (S.I. 2019/574), regs. 1(3), 9; 2020 c. 1, Sch. 5 para. 1(1)

[^key-6f354cf81b70fe662e3c574d2fe03b58]: Words in Sch. 1 para. 2 substituted (31.12.2020) by The Financial Services (Distance Marketing) (Amendment and Savings Provisions) (EU Exit) Regulations 2019 (S.I. 2019/574), regs. 1(3), 10(a); 2020 c. 1, Sch. 5 para. 1(1)

[^key-50f7c613975b01b26f078d4aeeadf6e2]: Sch. 1 para. 17 omitted (31.12.2020) by virtue of The Financial Services (Distance Marketing) (Amendment and Savings Provisions) (EU Exit) Regulations 2019 (S.I. 2019/574), regs. 1(3), 10(b); 2020 c. 1, Sch. 5 para. 1(1)

[^key-67e21c327729b7c99ca94171903bc2c6]: Words in Sch. 1 para. 21 substituted (31.12.2020) by The Financial Services (Distance Marketing) (Amendment and Savings Provisions) (EU Exit) Regulations 2019 (S.I. 2019/574), regs. 1(3), 10(c); 2020 c. 1, Sch. 5 para. 1(1)

[^key-13339239bea21210f0d30f7f449d1806]: Reg. 6A inserted (15.7.2025 for specified purposes) by The Financial Services and Markets Act 2000 (Regulated Activities etc.) (Amendment) Order 2025 (S.I. 2025/859), arts. 1(2)(3), 4

Intermediaries in relation to certain agreements

6A

Neither regulation 7 (information required prior to the conclusion of the contract) nor regulation 8 (written and additional information) applies to an intermediary where—

• (a) the distance contract is an agreement—

• (i) which meets each of the conditions set out in article 60F(2)(a) to (d) (exempt agreements: exemptions relating to number of repayments to be made) of the Regulated Activities Order; and

• (ii) to which article 60F(7A) of that Order applies; and

• (b) but for the operation of article 36FB (activities in relation to certain regulated credit agreements) of the Regulated Activities Order, the activity undertaken by the intermediary would be within the scope of article 36A (credit broking) of that Order.

Information required prior to the conclusion of the contract

Written and additional information

Right to cancel

Cancellation period

Exceptions to the right to cancel

Automatic cancellation of an attached distance contract

Payment for services provided before cancellation

Payment by card

Unsolicited services

Prevention of contracting-out

Enforcement authorities

Consideration of complaints

Injunctions to secure compliance with these Regulations

Notification of undertakings and orders to the relevant regulator

Publication, information and advice

Offences

Functions of the Authority

Amendment of the Unfair Terms in Consumer Contracts Regulations 1999

Amendment of the Consumer Protection (Distance Selling) Regulations 2000

Amendment of the Enterprise Act 2002

Amendment of the Enterprise Act 2002 (Part 8 Notice to OFT of Intended Prosecution Specified Enactments, Revocation and Transitional Provision) Order 2003

Transitional provisions