The Mortgage Credit Directive Order 2015

[^f00055]: Paragraph 13 was amended by paragraphs 13 and 24 of Schedule 11 to the Financial Services Act 2012 and by S.I. 2009/209 and 2011/99.

[^f00056]: 1974 c.39.

[^f00057]: Section 127 was amended by Schedule 4 to the Consumer Credit Act 2006 (c. 14) and by S.I. 2010/1010.

[^f00058]: Section 55(2) was substituted by S.I. 2010/1010.

[^f00059]: Section 61B was inserted by S.I. 2010/1010.

[^f00060]: Section 77(1) was amended by S.I. 1998/997.

[^f00061]: Section 77A(1) was inserted by section 6 of the Consumer Credit Act 2006 (c. 14) and subsequently substituted by S.I. 2008/2826.

[^f00062]: Section 78(1) was amended by S.I. 1998/997.

[^f00063]: Section 97(1) was amended by S.I. 2010/1010.

[^f00064]: Section 86D was inserted by section 11 of the Consumer Credit Act 2006.

[^f00065]: Section 86E was inserted by section 12 of the Consumer Credit Act 2006.

[^f00066]: Section 107 was amended by S.I. 1998/997 and S.I. 2008/1277.

[^f00067]: Section 108 was amended by S.I. 1998/997 and S.I. 2008/1277.

[^f00068]: Section 110 was amended by S.I. 1998/997 and S.I. 2008/1277.

[^f00069]: Section 93 was amended by S.I. 2013/1881.

[^f00070]: Section 94 was amended by section 29 of the Energy Act 2011 (c. 16) and by S.I. 2010/1010.

[^f00071]: Section 95 was amended by S.I. 2010/1010.

[^f00072]: Sections 140A to 140C were inserted by sections 19 to 21 of the Consumer Credit Act 2006 (c. 14) and subsequently amended by S.I. 2013/1881.

[^f00073]: Section 8(3) was substituted by S.I. 2013/1881.

[^f00074]: Section 8(1) was amended by section 2 of the Consumer Credit Act 2006.

[^f00075]: Article 53A was inserted by S.I. 2003/1475.

[^f00076]: Article 25A was inserted by S.I. 2003/1475.

[^f00077]: Article 61 was amended by S.I. 2001/3544, 2005/2114, 2006/2383 and 2010/2960.

[^f00078]: Section 39 was amended by section 10 of, and paragraph 5 of Schedule 18 to, the Financial Services Act 2012 (c. 21) and by S.I. 2007/126 and 2013/3115.

[^f00079]: Section 55J was substituted, together with the rest of Part 4A, for the original Part IV, by section 11 of the Financial Services Act 2012 and was subsequently amended by S.I. 2013/1773 and 3115.

[^f00080]: Section 137R was substituted (together with the rest of Part 9A) for the original Part X by section 24 of the Financial Services Act 2012 (c. 21).

[^f00081]: Section 194B was inserted by S.I. 2013/3115.

[^f00082]: Section 195A was inserted by S.I. 2007/126, substituted by S.I. 2011/1613 and then subsequently amended by paragraph 35 of Schedule 4 to the Financial Services Act 2012 (c. 21) and by S.I. 2012/916 and 2013/1773 and 1797.

[^f00083]: OJ L 331 15.12.2010, p.12.

[^f00084]: Section 347 was amended by paragraph 16 of Schedule 12 to the Financial Services Act 2012 (c. 21), section 34 of, and paragraph 11 of Schedule 3 to, the Financial Services (Banking Reform) Act 2015 (c. 33) and S.I. 2007/126 and 2013/1388.

[^f00085]: Section 417(1) was amended by paragraph 16 of Schedule 2 to the Criminal Justice and Police Act 2001 (c. 16), section 964 of the Companies Act 2006 (c. 46), section 174 of the Banking Act 2009 (c. 1), paragraph 31 of Schedule 2 to the Financial Services Act 2010 (c. 28), section 48 of the Financial Services Act 2012 (c. 21), section 4 of the Financial Services (Banking Reform) Act 2013 (c. 33) and paragraph 71 of Schedule 4 to the Co-operative and Community Benefit Societies Act 2014 (c. 14), and by S.I. 2002/1775, 2005/1433, 2007/126, 2009/1941, 2010/22, 2012/916, 1809, 1906 and 2554, 2013/504, 1773 and 3115 and 2014/2879.

[^f00086]: Section 425(1) was amended by S.I. 2003/2066, 2004/3379, 2006/2975, 2007/126 and 3253, 2012/1906 and 2013/1773 and 3115.

[^f00087]: Paragraph 1 was amended by S.I. 2000/2952, 2003/1473 and 2066, 2007/126 and 3253, and 2013/1773 and 3115.

[^f00088]: Paragraph 4E was inserted by S.I. 2013/1773.

[^f00089]: Paragraph 5 was amended by S.I. 2003/1473 and 2066, 2004/3379, 2006/3221, 2007/126 and 3253, 2011/1613, 2012/1906, and 2013/1773, 1797 and 3115.

[^f00090]: Paragraph 5A was inserted by S.I. 2003/1473 and amended by S.I. 2013/1773.

[^f00091]: Paragraph 7A was inserted by S.I. 2003/1473 and amended by S.I. 2013/1773 and 1797.

[^f00092]: Paragraph 13 was amended by paragraph 2 of Schedule 4 to the Financial Services Act 2012 (c. 21) and by S.I. 2003/1473 and 2066, 2007/126, 2012/1906 and 2013/1773.

[^f00093]: Paragraph 14 was amended by paragraph 3 of Schedule 4 to the Financial Services Act 2012 and by S.I. 2003/1473 and 2066, 2007/126, 2012/1906, and 2013/1773 and 1797.

[^f00094]: Paragraph 19 is amended by paragraph 10 of Schedule 4 to the Financial Services Act 2012 (c. 21) and by S.I. 2003/1473 and 2066, 2007/126 and 3253, 2011/1613, 2012/916 and 1906, and 2013/1773, 1797 and 3115.

[^f00095]: Paragraph 20 is amended by paragraph 11 of Schedule 4 to the Financial Services Act 2012 and by S.I. 2001/1376, 2003/1473 and 2066, 2007/126 and 3253, 2011/1613, 2012/1906, and 2013/1773, 1797 and 3115.

[^f00096]: Paragraph 20ZA was inserted by S.I. 2011/1613 and was subsequently amended by paragraph 13 of Schedule 4 to the Financial Services Act 2012 and by S.I. 2013/3115.

[^f00097]: Paragraph 21 was amended by S.I. 2003/1473.

[^f00098]: Paragraph 25 was inserted by S.I. 2003/1473 and was subsequently amended by paragraph 18 of Schedule 4 to the Financial Services Act 2012.

[^f00099]: 1974 c.39.

[^f00100]: Subsection (3) was substituted by S.I. 2013/1881.

[^f00101]: Section 55C was inserted by S.I. 2010/1010 and subsequently amended by S.I. 2013/1881.

[^f00102]: Section 60 was amended by paragraph 6 of Schedule 25 to the Enterprise Act 2002 (c. 40) and by S.I. 2010/1010 and 2013/1881 and 1882.

[^f00103]: Section 61A was inserted by S.I. 2010/1010 and subsequently amended by S.I. 2013/1881.

[^f00104]: Section 66A was inserted by S.I. 2010/1010.

[^f00105]: Section 75A was inserted by S.I. 2010/1010 and subsequently amended by S.I. 2013/1881.

[^f00106]: Section 77B was inserted by S.I. 2010/1010 and subsequently amended by section 27 of the Energy Act 2011 (c. 16) and by S.I. 2013/1881 and 2014/436.

[^f00107]: There are amendments to section 189 but none is relevant to this Order.

[^f00108]: OJ L 133, 22.5.2008, p. 66; Article 2(2a) was inserted by article 46 of Directive 2014/17/EU of the European Parliament and of the Council of 4 February 2014 on credit agreements for consumers relating to residential immovable property (OJ L 60, 28.2.2014, p.34).

[^f00109]: S.I. 1983/1553. Regulation 8 was amended by S.I. 2010/1010 and 1969 and 2013/1881.

[^f00110]: Article 3 was amended by S.I. 2006/3384 and 2013/3115; there are other amendments to article 3 but none is relevant to this Order.

[^f00111]: Article 4 was amended by S.I. 2003/1476, 2006/3384, 2009/1389, 2013/1773 and 1881 and 2014/1292.

[^f00112]: Article 25A was inserted by S.I. 2003/1475.

[^f00113]: Article 29 was amended by S.I. 2003/1476, 2006/2383 and 3384 and 2009/1342.

[^f00114]: Article 36 was amended by S.I. 2002/1776, 2003/1475 and 1476, 2006/2383 and 3384, 2009/1342, 2013/1773 and 2014/366.

[^f00115]: Article 36E was inserted by S.I. 2013/1881.

[^f00116]: Article 36G was amended by S.I. 2013/1881 and amended by S.I. 2014/366.

[^f00117]: Article 53D was inserted by S.I. 2009/1342.

[^f00118]: Article 54 was amended by S.I. 2003/1475 and 1476, 2006/2383, 2009/1342 and 2013/472.

[^f00119]: Article 54A was inserted by S.I. 2003/1475 and subsequently amended by S.I. 2006/2383 and 2009/1342.

[^f00120]: Article 55 was amended by S.I. 2002/1776, 2003/1475 and 1476, 2006/2383, 2009/1342, 2013/1773 and 2014/366.

[^f00121]: Chapter 14A (articles 60B to 60M) was inserted by S.I. 2013/1881. Articles 60C to 60G and 60K were subsequently amended by S.I. 2014/366.

[^f00122]: Article 61 was amended by S.I. 2001/3544, 2005/2114, 2006/2383 and 2010/2960.

[^f00123]: Article 63A was inserted by S.I. 2002/1776, substituted by S.I. 2003/1475 and subsequently amended by S.I. 2013/1773 and 2014/366.

[^f00124]: Article 66 was amended by S.I. 2003/1475 and 1476, 2005/593, 2006/2383 and 3384, 2009/1342.

[^f00125]: Article 67 was amended by S.I. 2001/3544, 2003/1475 and 1476, 2006/2383 and 3384 and 2009/1342.

[^f00126]: Article 72 was amended by S.I. 2003/1475 and 1476, 2006/2383 and 3384, 2009/1342 and 2013/504.

[^f00127]: Article 72G was inserted by S.I. 2014/366.

[^f00128]: OJ L 133 22.5.2008, p.66.

[^f00129]: 2006 c. 46.

[^f00130]: Article 72H was inserted by S.I. 2014/366.

[^f00131]: S.I. 2001/1201. Paragraph 48 of the Schedule was substituted by S.I. 2003/1675 and subsequently amended by S.I. 2005/592, 2006/2383, 2008/2831, 2009/1342, 2010/671, 2011/1626 and 2012/641 and 700.

[^f00132]: S.I. 2001/1783.

[^f00133]: Regulation 1 was amended by S.I. 2003/1476 and 2066, 2011/1613 and 2013/1773 and 3115.

[^f00134]: Regulation 2 was amended by S.I. 2003/1476 and 2066, 2011/1613 and 2013/1773.

[^f00135]: Regulation 3 was amended by S.I. 2003/1476 and 2066 and 2013/1773.

[^f00136]: Regulation 4 was amended by S.I. 2003/1476 and 2066 and 2013/1773.

[^f00137]: S.I. 2001/1217.

[^f00138]: Regulation 2(1) was amended by S.I. 2001/2508, 2003/1475 and 1476, 2004/453 and 2737, 2006/2383, 2012/1906, 2013/1881 and 2014/206

[^f00139]: Regulation 3(3) was inserted by S.I. 2003/1475.

[^f00140]: S.I. 2001/2188.

[^f00141]: In regulation 2 the definition of “markets in financial instruments directive information” was inserted by S.I. 2006/3413 and was subsequently amended by S.I. 2010/2628 and 2013/472 and 3115. The definition of “single market restrictions” was inserted by S.I. 2012/916 and was subsequently amended by S.I. 2013/504, 1773 and 3115. There are other amendments to regulation 2 but none is relevant to this Order.

[^f00142]: Regulation 9 was amended by S.I. 2003/693, 2004/3379, 2006/3413, 2007/3255, 2010/2628, 2011/1613, 2012/916, 2013/472, 504, 1773 and 3115.

[^f00143]: S.I. 2001/2511.

[^f00144]: Regulation 1(2) was amended by S.I. 2002/765, 2003/1473 and 2066, 2006/3385, 2007/763, 2011/99 and 2013/642.

[^f00145]: Regulation 2 was amended by S.I. 2002/765, 2003/2066, 2004/1862, 2006/3385, 2011/99 and 2013/642, 1773, 1797 and 3115.

[^f00146]: Regulation 3 was amended by S.I. 2003/1473 and 2066, 2004/1862, 2006/3385 and 2013/642, and 1773.

[^f00147]: Regulation 7A was inserted by S.I. 2013/1773.

[^f00148]: Regulation 9 was amended by S.I. 2013/642.

[^f00149]: Regulation 17A was inserted by S.I. 2013/1773 and amended by S.I. 2013 1797.

[^f00150]: S.I. 2001/3084.

[^f00151]: Article 2 was amended by S.I. 2005/1, 2006/1805, 2007/2932 and 3254, 2012/2017, 2013/472 and 3115 and 2014/1292.

[^f00152]: Section 194C is inserted by this Order.

[^f00153]: Section 195B is inserted by this Order.

[^f00154]: Article 3 was amended by S.I. 2007/3254 and 2014/1292.

[^f00155]: S.I. 2004/1481. Regulation 2 was substituted by S.I. 2010/1010, as amended by S.I. 2011/1969.

[^f00156]: S.I. 2005/1529. Paragraph 10BA was inserted by S.I. 2013/1881 and amended by S.I. 2014/366. In paragraph 28 the definition of “relevant credit agreement was inserted by S.I. 2013/1881 and amended by S.I. 2014/366.

[^f00157]: S.I. 2010/1013. Regulation 2 was amended by S.I. 2013/1881.

[^f00158]: S.I. 2010/1014.

[^f00159]: Regulation 2 was amended by S.I. 2010/1969 and 2013/1881.

[^f00160]: Schedule 1 was amended by S.I. 2010/1969, 2012/2798, 2013/1881 and 2014/366.

[^f00161]: S.I. 2013/1881. Article 58 was amended by S.I. 2014/208, 366, 506 and 2632.

Conditions applicable to creditors and credit intermediaries

Conduct of business obligations when providing consumer buy-to-let mortgage products to consumers

Obligation to provide information free of charge to consumers

Knowledge and competence requirements for staff

Information and practices preliminary to the conclusion of the consumer buy-to-let mortgage contract

Tying and bundling practices

General information

Pre-contractual information

Information requirements concerning credit intermediaries

Adequate explanations

Annual percentage rate of charge

Calculation of the annual percentage rate of charge

Creditworthiness assessment

Obligation to assess the creditworthiness of the borrower

Property valuation

Disclosure and verification of borrower information

Advisory services

Standards for advisory services

Foreign currency loans and variable rate loans

Foreign currency loans

Variable rate credits

Sound execution of consumer buy-to-let mortgage contracts and related rights

Early repayment

Flexible and reliable markets

Information concerning changes in the borrowing rate

Arrears and possession

Calculation of the annual percentage rate of charge

Basic equation expressing the equivalence of drawdowns on the one hand and repayments and charges on the other

Additional assumptions for the calculation of the annual percentage rate of charge

Editorial notes

[^c22479301]: S.I. 2012/1759.

[^c22479311]: 1972 c. 68. Section 2(2) was amended by section 27(1)(a) of the Legislative and Regulatory Reform Act 2006 (c. 51) and the European Union (Amendment) Act 2008 (c. 7), Schedule, Part 1. By virtue of the amendment of section 1(2) by section 1 of the European Economic Area Act 1993 (c. 51) legislation may be made under section 2(2) of the European Communities Act to implement obligations of the United Kingdom created or arising by or under the Agreement on the European Economic Area signed at Oporto on 2nd May 1992 (Cm 2073) and the Protocol adjusting the Agreement signed at Brussels on 17th March 1992 (Cm 2183).

[^c22479321]: 2000 c.8.

[^c22479331]: S.I. 2001/1201, amended by S.I. 2003/1675, 2005/592, 2006/2383, 2008/2831, 2009/1342, 2010/671, 2011/1626 and 2012/641 and 700; there are other amending instruments but none is relevant to this Order.

[^c22479341]: Paragraph 2 was amended by section 27 of the Legislative and Regulatory Reform Act 2006 (c. 51) and paragraph 2A was inserted by section 29 of that Act.

[^c22479351]: Paragraph 26 of Schedule 2 was substituted by section 8 of the Financial Services Act 2012 (c. 21).

[^c22479361]: Paragraph 1A of Schedule 2 was inserted by section 28 of the Legislative and Regulatory Reform Act 2006 and amended by Part 1 of the Schedule to the European Union (Amendment) Act 2008 and S.I. 2007/1388.

[^c22479371]: Section 14A of the Interpretation Act 1978 (c. 30) (inserted by section 59 of the Enterprise and Regulatory Reform Act 2013 (c. 24)) provides that, where an Act provides a power to make subordinate legislation, that subordinate legislation may include a requirement to review the effectiveness of the legislation.

[^c22479381]: Articles 36A and 60B were inserted by S.I. 2003/1881.

[^c22479391]: Articles 25A and 53A were inserted by S.I. 2003/1475.

[^c22479401]: Article 61 was amended by S.I. 2001/3544, 2005/2114, 2006/3283 and 2010/2960.

[^c22479411]: Paragraphs 13(1) and 14(1) were previously amended by paragraph 2 of Schedule 4 to the Financial Services Act 2012 (c. 21) and by S.I. 2003/1473 and 2066, 2007/126 and 2013/1773.

[^c22479421]: Paragraph 19(2) was previously amended by paragraph 10 of Schedule 4 to the Financial Services Act 2012.

[^c22479431]: Paragraph 20(1) was previously amended by paragraph 11 of Schedule 4 to the Financial Services Act 2012 and by S.I. 2007/3253 and 2013/1773.

[^c22479441]: OJ L 60, 28.2.2014, p.34.

[^c22479451]: S.I. 2001/544.

[^c22479461]: Article 61(2) was amended by S.I. 2001/3544.

[^c22479471]: Article 72I is inserted by paragraph 4 of the Schedule to this Order.

[^c22479481]: Section 388 was amended by paragraphs 1 and 27 of Schedule 9 to the Financial Services Act 2012 (c. 21) and by paragraph 13 of Schedule 3 to the Financial Services (Banking Reform) Act 2013 (c. 33).

[^c22479491]: Article 61A is inserted by paragraph 4 of the Schedule to this Order.

[^c22479501]: Section 387 was amended by paragraphs 1 and 26 of Schedule 9 to the Financial Services Act 2012 and paragraph 12 of Schedule 3 to the Financial Services (Banking Reform) Act 2013.

[^c22479511]: S.I. 2013/1881. Article 56 was amended by S.I. 2014/366 and 376.

[^c22479531]: Section 39 was amended by section 10 of, and paragraph 5 of Schedule 18 to, the Financial Services Act 2012 (c. 21) and by S.I. 2007/126 and 2013/3115.

[^c22479541]: Section 348 was amended by paragraph 26 of Schedule 2 to the Financial Services Act 2010 (c. 28), paragraph 18 of Schedule 12 to the Financial Services Act 2012 (c. 21) and paragraph 5 of Schedule 8 to the Financial Services (Banking Reform) Act 2013 (c. 33).

[^c22479551]: Section 349 was amended by section 964 of the Companies Act 2006 (c. 46), paragraph 19 of Schedule 12 to the Financial Services Act 2012 and S.I. 2006/1183.

[^c22479561]: Section 352 was amended by paragraph 54 of Schedule 26 to the Criminal Justice Act 2003 (c. 44).

[^c22479571]: Section 166 was substituted by paragraph 5 of Schedule 12 to the Financial Services Act 2012.

[^c22479581]: Sections 55L, 55Y and 55Z3 were substituted, together with the rest of Part 4A of the Act, by section 11(2) of the Financial Services Act 2012.

[^c22479591]: Section 204A was inserted by paragraphs 1 and 10 of Schedule 9 to the Financial Services Act 2012 (c. 21).

[^c22479601]: Section 380 was amended by paragraph 19 of Schedule 9 to the Financial Services Act 2012 (c. 21), paragraph 3 of Schedule 10 to the Financial Services (Banking Reform) Act 2013 (c. 33) and S.I. 2013/1773.

[^c22479611]: Section 382 was amended by paragraph 21 of Schedule 9 to the Financial Services Act 2012, paragraph 3 of Schedule 10 to the Financial Services (Banking Reform) Act 2013 and S.I. 2013/1773.

[^c22479621]: Section 398 was amended by paragraph 36 of Schedule 9 to the Financial Services Act 2012 and by S.I. 2013/1773.

[^c22479631]: Section 165 was amended by paragraph 15 of Schedule 2 to the Financial Services Act 2010 (c. 28), paragraph 1 of Schedule 12 to the Financial Services Act 2012 and S.I. 2013/1773.

[^c22479641]: Section 166 was substituted by paragraph 5 of Schedule 12 to the Financial Services Act 2012.

[^c22479651]: Section 167 was amended by paragraph 7 of Schedule 12 to the Financial Services Act 2012 and S.I. 2007/126.

[^c22479661]: Section 168 was amended by paragraph 33 of Schedule 7 to the Counter-Terrorism Act 2008 (c. 28), paragraph 16 of Schedule 2 to the Financial Services Act 2010, paragraph 8 of Schedule 12 to the Financial Services Act 2012 and S.I. 2007/126, 2012/2554 and 2013/1773.

[^c22479671]: Section 169 was amended by paragraph 9 of Schedule 12 to the Financial Services Act 2012.

[^c22479681]: Section 170 was amended by paragraph 10 of Schedule 12 to the Financial Services Act 2012.

[^c22479691]: Section 171 was amended by S.I. 2007/126.

[^c22479701]: Section 174 was amended by paragraph 12 of Schedule 12 to the Financial Services Act 2012.

[^c22479711]: Section 175 was amended by paragraph 13 of Schedule 12 to the Financial Services Act 2012.

[^c22479721]: Section 176 was amended by paragraph 17 of Schedule 2 to the Financial Services Act 2010, paragraph 14 of Schedule 12 to the Financial Services Act 2012 and S.I. 2005/1433.

[^c22479731]: Section 176A was inserted by paragraph 15 of Schedule 12 to the Financial Services Act 2012.

[^c22479741]: Section 177 was amended by paragraph 8 of Schedule 8 to the Financial Services Act 2012 and S.I. 2001/1090.

[^c22479751]: Section 205 was amended by paragraph 11 of Schedule 9 to the Financial Services Act 2012.

[^c22479761]: Section 206 was amended by section 10 of the Financial Services Act 2010 and by paragraph 12 of Schedule 9 to the Financial Services Act 2012.

[^c22479771]: Sections 207 to 211 were amended by paragraphs 18, 19 and 20 of Schedule 2 to the Financial Services Act 2010 (c. 28) and by paragraphs 14, 15, 16, 17 and 18 of Schedule 9 to the Financial Services Act 2012 (c. 21).

[^c22479781]: Schedule 1ZA was substituted by Schedule 3 to the Financial Services Act 2012.

[^c22479791]: Paragraph 23 was amended by paragraph 7 of Schedule 8 and paragraph 4 of Schedule 10 to the Financial Services (Banking Reform) Act 2013 (c. 33) and by S.I. 2013/1773.

[^c22479801]: Paragraph 25 was amended by section 109 of the Financial Services (Banking Reform) Act 2013.

[^c22479811]: Section 226 was amended by paragraph 1 of Schedule 11 to the Financial Services Act 2012 and by S.I. 2009/209 and 2011/99.

[^c22479821]: Section 232A was inserted by paragraph 9 of Schedule 11 to the Financial Services Act 2012.

[^c22479831]: Section 234 was amended by paragraph 10 of Schedule 11 to the Financial Services Act 2012 and by S.I. 2009/209 and 2011/99.

[^c22479841]: Paragraph 13 was amended by paragraphs 13 and 24 of Schedule 11 to the Financial Services Act 2012 and by S.I. 2009/209 and 2011/99.

[^c22479851]: 1974 c.39.

[^c22479861]: Section 127 was amended by Schedule 4 to the Consumer Credit Act 2006 (c. 14) and by S.I. 2010/1010.

[^c22479871]: Section 55(2) was substituted by S.I. 2010/1010.

[^c22479881]: Section 61B was inserted by S.I. 2010/1010.

[^c22479891]: Section 77(1) was amended by S.I. 1998/997.

[^c22479901]: Section 77A(1) was inserted by section 6 of the Consumer Credit Act 2006 (c. 14) and subsequently substituted by S.I. 2008/2826.

[^c22479911]: Section 78(1) was amended by S.I. 1998/997.

[^c22479921]: Section 97(1) was amended by S.I. 2010/1010.

[^c22479931]: Section 86D was inserted by section 11 of the Consumer Credit Act 2006.

[^c22479941]: Section 86E was inserted by section 12 of the Consumer Credit Act 2006.

[^c22479951]: Section 107 was amended by S.I. 1998/997 and S.I. 2008/1277.

[^c22479961]: Section 108 was amended by S.I. 1998/997 and S.I. 2008/1277.

[^c22479971]: Section 110 was amended by S.I. 1998/997 and S.I. 2008/1277.

[^c22479981]: Section 93 was amended by S.I. 2013/1881.

[^c22479991]: Section 94 was amended by section 29 of the Energy Act 2011 (c. 16) and by S.I. 2010/1010.

[^c22480001]: Section 95 was amended by S.I. 2010/1010.

[^c22480011]: Sections 140A to 140C were inserted by sections 19 to 21 of the Consumer Credit Act 2006 (c. 14) and subsequently amended by S.I. 2013/1881.

[^c22480021]: Section 8(3) was substituted by S.I. 2013/1881.

[^c22480031]: Section 8(1) was amended by section 2 of the Consumer Credit Act 2006.

[^c22480041]: Article 53A was inserted by S.I. 2003/1475.

[^c22480051]: Article 25A was inserted by S.I. 2003/1475.

[^c22480061]: Article 61 was amended by S.I. 2001/3544, 2005/2114, 2006/2383 and 2010/2960.

[^c22480071]: Section 39 was amended by section 10 of, and paragraph 5 of Schedule 18 to, the Financial Services Act 2012 (c. 21) and by S.I. 2007/126 and 2013/3115.

[^c22480081]: Section 55J was substituted, together with the rest of Part 4A, for the original Part IV, by section 11 of the Financial Services Act 2012 and was subsequently amended by S.I. 2013/1773 and 3115.

[^c22480091]: Section 137R was substituted (together with the rest of Part 9A) for the original Part X by section 24 of the Financial Services Act 2012 (c. 21).

[^c22480101]: Section 194B was inserted by S.I. 2013/3115.

[^c22480111]: Section 195A was inserted by S.I. 2007/126, substituted by S.I. 2011/1613 and then subsequently amended by paragraph 35 of Schedule 4 to the Financial Services Act 2012 (c. 21) and by S.I. 2012/916 and 2013/1773 and 1797.

[^c22480121]: OJ L 331 15.12.2010, p.12.

[^c22480131]: Section 347 was amended by paragraph 16 of Schedule 12 to the Financial Services Act 2012 (c. 21), section 34 of, and paragraph 11 of Schedule 3 to, the Financial Services (Banking Reform) Act 2015 (c. 33) and S.I. 2007/126 and 2013/1388.

[^c22480141]: Section 417(1) was amended by paragraph 16 of Schedule 2 to the Criminal Justice and Police Act 2001 (c. 16), section 964 of the Companies Act 2006 (c. 46), section 174 of the Banking Act 2009 (c. 1), paragraph 31 of Schedule 2 to the Financial Services Act 2010 (c. 28), section 48 of the Financial Services Act 2012 (c. 21), section 4 of the Financial Services (Banking Reform) Act 2013 (c. 33) and paragraph 71 of Schedule 4 to the Co-operative and Community Benefit Societies Act 2014 (c. 14), and by S.I. 2002/1775, 2005/1433, 2007/126, 2009/1941, 2010/22, 2012/916, 1809, 1906 and 2554, 2013/504, 1773 and 3115 and 2014/2879.

[^c22480151]: Section 425(1) was amended by S.I. 2003/2066, 2004/3379, 2006/2975, 2007/126 and 3253, 2012/1906 and 2013/1773 and 3115.

[^c22480161]: Paragraph 1 was amended by S.I. 2000/2952, 2003/1473 and 2066, 2007/126 and 3253, and 2013/1773 and 3115.

[^c22480171]: Paragraph 4E was inserted by S.I. 2013/1773.

[^c22480181]: Paragraph 5 was amended by S.I. 2003/1473 and 2066, 2004/3379, 2006/3221, 2007/126 and 3253, 2011/1613, 2012/1906, and 2013/1773, 1797 and 3115.

[^c22480191]: Paragraph 5A was inserted by S.I. 2003/1473 and amended by S.I. 2013/1773.

[^c22480201]: Paragraph 7A was inserted by S.I. 2003/1473 and amended by S.I. 2013/1773 and 1797.

[^c22480211]: Paragraph 13 was amended by paragraph 2 of Schedule 4 to the Financial Services Act 2012 (c. 21) and by S.I. 2003/1473 and 2066, 2007/126, 2012/1906 and 2013/1773.

[^c22480221]: Paragraph 14 was amended by paragraph 3 of Schedule 4 to the Financial Services Act 2012 and by S.I. 2003/1473 and 2066, 2007/126, 2012/1906, and 2013/1773 and 1797.

[^c22480231]: Paragraph 19 is amended by paragraph 10 of Schedule 4 to the Financial Services Act 2012 (c. 21) and by S.I. 2003/1473 and 2066, 2007/126 and 3253, 2011/1613, 2012/916 and 1906, and 2013/1773, 1797 and 3115.

[^c22480241]: Paragraph 20 is amended by paragraph 11 of Schedule 4 to the Financial Services Act 2012 and by S.I. 2001/1376, 2003/1473 and 2066, 2007/126 and 3253, 2011/1613, 2012/1906, and 2013/1773, 1797 and 3115.

[^c22480251]: Paragraph 20ZA was inserted by S.I. 2011/1613 and was subsequently amended by paragraph 13 of Schedule 4 to the Financial Services Act 2012 and by S.I. 2013/3115.

[^c22480261]: Paragraph 21 was amended by S.I. 2003/1473.

[^c22480271]: Paragraph 25 was inserted by S.I. 2003/1473 and was subsequently amended by paragraph 18 of Schedule 4 to the Financial Services Act 2012.

[^c22480281]: 1974 c.39.

[^c22480291]: Subsection (3) was substituted by S.I. 2013/1881.

[^c22480301]: Section 55C was inserted by S.I. 2010/1010 and subsequently amended by S.I. 2013/1881.

[^c22480311]: Section 60 was amended by paragraph 6 of Schedule 25 to the Enterprise Act 2002 (c. 40) and by S.I. 2010/1010 and 2013/1881 and 1882.

[^c22480321]: Section 61A was inserted by S.I. 2010/1010 and subsequently amended by S.I. 2013/1881.

[^c22480331]: Section 66A was inserted by S.I. 2010/1010.

[^c22480341]: Section 75A was inserted by S.I. 2010/1010 and subsequently amended by S.I. 2013/1881.

[^c22480351]: Section 77B was inserted by S.I. 2010/1010 and subsequently amended by section 27 of the Energy Act 2011 (c. 16) and by S.I. 2013/1881 and 2014/436.

[^c22480361]: There are amendments to section 189 but none is relevant to this Order.

[^c22480371]: OJ L 133, 22.5.2008, p. 66; Article 2(2a) was inserted by article 46 of Directive 2014/17/EU of the European Parliament and of the Council of 4 February 2014 on credit agreements for consumers relating to residential immovable property (OJ L 60, 28.2.2014, p.34).

[^c22480391]: Article 3 was amended by S.I. 2006/3384 and 2013/3115; there are other amendments to article 3 but none is relevant to this Order.

[^c22480401]: Article 4 was amended by S.I. 2003/1476, 2006/3384, 2009/1389, 2013/1773 and 1881 and 2014/1292.

[^c22480411]: Article 25A was inserted by S.I. 2003/1475.

[^c22480421]: Article 29 was amended by S.I. 2003/1476, 2006/2383 and 3384 and 2009/1342.

[^c22480431]: Article 36 was amended by S.I. 2002/1776, 2003/1475 and 1476, 2006/2383 and 3384, 2009/1342, 2013/1773 and 2014/366.

[^c22480441]: Article 36E was inserted by S.I. 2013/1881.

[^c22480451]: Article 36G was amended by S.I. 2013/1881 and amended by S.I. 2014/366.

[^c22480461]: Article 53D was inserted by S.I. 2009/1342.

[^c22480471]: Article 54 was amended by S.I. 2003/1475 and 1476, 2006/2383, 2009/1342 and 2013/472.

[^c22480481]: Article 54A was inserted by S.I. 2003/1475 and subsequently amended by S.I. 2006/2383 and 2009/1342.

[^c22480491]: Article 55 was amended by S.I. 2002/1776, 2003/1475 and 1476, 2006/2383, 2009/1342, 2013/1773 and 2014/366.

[^c22480501]: Chapter 14A (articles 60B to 60M) was inserted by S.I. 2013/1881. Articles 60C to 60G and 60K were subsequently amended by S.I. 2014/366.

[^c22480511]: Article 61 was amended by S.I. 2001/3544, 2005/2114, 2006/2383 and 2010/2960.

[^c22480521]: Article 63A was inserted by S.I. 2002/1776, substituted by S.I. 2003/1475 and subsequently amended by S.I. 2013/1773 and 2014/366.

[^c22480531]: Article 66 was amended by S.I. 2003/1475 and 1476, 2005/593, 2006/2383 and 3384, 2009/1342.

[^c22480541]: Article 67 was amended by S.I. 2001/3544, 2003/1475 and 1476, 2006/2383 and 3384 and 2009/1342.

[^c22480551]: Article 72 was amended by S.I. 2003/1475 and 1476, 2006/2383 and 3384, 2009/1342 and 2013/504.

[^c22480561]: Article 72G was inserted by S.I. 2014/366.

[^c22480571]: OJ L 133 22.5.2008, p.66.

[^c22480581]: 2006 c. 46.

[^c22480591]: Article 72H was inserted by S.I. 2014/366.

[^c22480601]: S.I. 2001/1201. Paragraph 48 of the Schedule was substituted by S.I. 2003/1675 and subsequently amended by S.I. 2005/592, 2006/2383, 2008/2831, 2009/1342, 2010/671, 2011/1626 and 2012/641 and 700.

[^c22480611]: S.I. 2001/1783.

[^c22480621]: Regulation 1 was amended by S.I. 2003/1476 and 2066, 2011/1613 and 2013/1773 and 3115.

[^c22480631]: Regulation 2 was amended by S.I. 2003/1476 and 2066, 2011/1613 and 2013/1773.

[^c22480641]: Regulation 3 was amended by S.I. 2003/1476 and 2066 and 2013/1773.

[^c22480651]: Regulation 4 was amended by S.I. 2003/1476 and 2066 and 2013/1773.

[^c22480661]: S.I. 2001/1217.

[^c22480671]: Regulation 2(1) was amended by S.I. 2001/2508, 2003/1475 and 1476, 2004/453 and 2737, 2006/2383, 2012/1906, 2013/1881 and 2014/206

[^c22480681]: Regulation 3(3) was inserted by S.I. 2003/1475.

[^c22480691]: S.I. 2001/2188.

[^c22480701]: In regulation 2 the definition of “markets in financial instruments directive information” was inserted by S.I. 2006/3413 and was subsequently amended by S.I. 2010/2628 and 2013/472 and 3115. The definition of “single market restrictions” was inserted by S.I. 2012/916 and was subsequently amended by S.I. 2013/504, 1773 and 3115. There are other amendments to regulation 2 but none is relevant to this Order.

[^c22480711]: Regulation 9 was amended by S.I. 2003/693, 2004/3379, 2006/3413, 2007/3255, 2010/2628, 2011/1613, 2012/916, 2013/472, 504, 1773 and 3115.

[^c22480721]: S.I. 2001/2511.

[^c22480731]: Regulation 1(2) was amended by S.I. 2002/765, 2003/1473 and 2066, 2006/3385, 2007/763, 2011/99 and 2013/642.

[^c22480741]: Regulation 2 was amended by S.I. 2002/765, 2003/2066, 2004/1862, 2006/3385, 2011/99 and 2013/642, 1773, 1797 and 3115.

[^c22480751]: Regulation 3 was amended by S.I. 2003/1473 and 2066, 2004/1862, 2006/3385 and 2013/642, and 1773.

[^c22480761]: Regulation 7A was inserted by S.I. 2013/1773.

[^c22480771]: Regulation 9 was amended by S.I. 2013/642.

[^c22480781]: Regulation 17A was inserted by S.I. 2013/1773 and amended by S.I. 2013 1797.

[^c22480791]: S.I. 2001/3084.

[^c22480801]: Article 2 was amended by S.I. 2005/1, 2006/1805, 2007/2932 and 3254, 2012/2017, 2013/472 and 3115 and 2014/1292.

[^c22480811]: Section 194C is inserted by this Order.

[^c22480821]: Section 195B is inserted by this Order.

[^c22480831]: Article 3 was amended by S.I. 2007/3254 and 2014/1292.

[^c22480841]: S.I. 2004/1481. Regulation 2 was substituted by S.I. 2010/1010, as amended by S.I. 2011/1969.

[^c22480851]: S.I. 2005/1529. Paragraph 10BA was inserted by S.I. 2013/1881 and amended by S.I. 2014/366. In paragraph 28 the definition of “relevant credit agreement was inserted by S.I. 2013/1881 and amended by S.I. 2014/366.

[^c22480861]: S.I. 2010/1013. Regulation 2 was amended by S.I. 2013/1881.

[^c22480871]: S.I. 2010/1014.

[^c22480881]: Regulation 2 was amended by S.I. 2010/1969 and 2013/1881.

[^c22480891]: Schedule 1 was amended by S.I. 2010/1969, 2012/2798, 2013/1881 and 2014/366.

[^c22480901]: S.I. 2013/1881. Article 58 was amended by S.I. 2014/208, 366, 506 and 2632.

[^key-05a0b992d230ae260e7c13bbbabfddfa]: Word in art. 2(1) omitted (20.9.2015) by virtue of The Mortgage Credit Directive (Amendment) Order 2015 (S.I. 2015/1557), arts. 1(2), 2(2)(a)

[^key-b261ab13c081ef8c06645f7e3d7bc717]: Words in art. 2(1) inserted (20.9.2015) by The Mortgage Credit Directive (Amendment) Order 2015 (S.I. 2015/1557), arts. 1(2), 2(2)(b)

[^key-04ea49941f162428df99d3a0135000de]: Word in art. 27(1) inserted (20.9.2015) by The Mortgage Credit Directive (Amendment) Order 2015 (S.I. 2015/1557), arts. 1(2), 2(3)

[^key-64319b810cb33232a91d33336a445f17]: Words in art. 31(2) inserted (20.9.2015) by The Mortgage Credit Directive (Amendment) Order 2015 (S.I. 2015/1557), arts. 1(2), 2(4)(b)

[^key-deba4e9573b1ef9e0ea8cbf06c69cc93]: Words in art. 31(1)(c) substituted (20.9.2015) by The Mortgage Credit Directive (Amendment) Order 2015 (S.I. 2015/1557), arts. 1(2), 2(4)(a)(i)

[^key-66251bb8221a45c11cae71d55ed5a5df]: Words in art. 31(1)(c) substituted (20.9.2015) by The Mortgage Credit Directive (Amendment) Order 2015 (S.I. 2015/1557), arts. 1(2), 2(4)(a)(ii)

[^key-7482712a2ca27198d6f26e9d02b5aa09]: Words in art. 31(1)(d) inserted (20.9.2015) by The Mortgage Credit Directive (Amendment) Order 2015 (S.I. 2015/1557), arts. 1(2), 2(4)(b)

[^key-3963a93a144d50115649cb1d361003d0]: Words in art. 31(3) inserted (20.9.2015) by The Mortgage Credit Directive (Amendment) Order 2015 (S.I. 2015/1557), arts. 1(2), 2(4)(c)

[^key-3749e093303029228120c00f6327f550]: Sch. 1 para. 3 omitted (20.9.2015) by virtue of The Mortgage Credit Directive (Amendment) Order 2015 (S.I. 2015/1557), arts. 1(2), 2(5)

[^key-2ddec925a4d63661c2416b4edc52abda]: Sch. 2 para. 14(1) substituted (20.9.2015) by The Mortgage Credit Directive (Amendment) Order 2015 (S.I. 2015/1557), arts. 1(2), 2(6)

[^key-0a2244f00b350f7ab8aaa0a7c94a204c]: Art. 2(1): text amended (17.3.2016 for specified purposes, 21.3.2016 in so far as not already in force) by virtue of The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) Order 2016 (S.I. 2016/392), art. 1(2)(3)(c), 8(2)(a)(i) (with Pt. 5)

[^key-23a48c33f171bd5180162fd099946d8d]: Words in art. 2(1) omitted (17.3.2016 for specified purposes, 21.3.2016 in so far as not already in force) by virtue of The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) Order 2016 (S.I. 2016/392), art. 1(2)(3)(c), 8(2)(a)(ii) (with Pt. 5)

[^key-200096ec3ce9d57b6fa5ce2956d1dcd5]: Words in art. 2(1) substituted (17.3.2016 for specified purposes, 21.3.2016 in so far as not already in force) by The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) Order 2016 (S.I. 2016/392), art. 1(2)(3)(c), 8(2)(b) (with Pt. 5)

[^key-f1cfc8163d8304c5302b0a5211c522e6]: Art. 3A inserted (17.3.2016 for specified purposes, 21.3.2016 in so far as not already in force) by The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) Order 2016 (S.I. 2016/392), art. 1(2)(3)(c), 8(3) (with Pt. 5)

[^key-96c7c240ca229f16de18e2ae3f639867]: Art. 28 substituted (17.3.2016 for specified purposes, 21.3.2016 in so far as not already in force) by The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) Order 2016 (S.I. 2016/392), art. 1(2)(3)(c), 8(4) (with Pt. 5)