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Disclaimer: This is not legal advice. Legislation and case law change. Always consult a qualified solicitor for your specific situation.

UK Law Reference
All sections of Consumer Credit Act 1974
1974 c. 39, s.55

Section 55 — Disclosure of information.

Extent: E+W+S+N.I.

This version in force from 2026-07-15

Snapshot: 2026-08-24

Reproduced from legislation.gov.uk (Crown Copyright, Open Government Licence v3.0). Amendments made after 2026-08-24 may not be reflected — always check the official text .

(1) Regulations may require specified information to be disclosed in the prescribed manner to the debtor or hirer before a regulated agreement [F1 , other than a regulated deferred payment credit agreement,] is made.

(2) [F2 If regulations under subsection (1) are not complied with, the agreement is enforceable against the debtor or hirer on an order of the court only (and for these purposes a retaking of goods or land to which the agreement relates is an enforcement of the agreement).]

Amendment notes

  1. F1 Words in s. 55(1) inserted (15.7.2025 for specified purposes, 15.7.2026 in so far as not already in force) by The Financial Services and Markets Act 2000 (Regulated Activities etc.) (Amendment) Order 2025 (S.I. 2025/859), arts. 1(2)(3), 2(3)
  2. F2 S. 55(2) substituted (1.2.2011) by The Consumer Credit (EU Directive) Regulations 2010 (S.I. 2010/1010), regs. 16, 99(1) (with regs. 100, 101)