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Consumer credit fees
When you lend money, the Credit Contracts and Consumer Finance Act has rules you must follow when setting your fees.
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Unfair contract terms reviews
Unfair contract terms provisions are designed to protect consumers from contract terms that create a significant imbalance of rights or obligations.
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Buy Now Pay Later
From 2 September 2024, Buy Now Pay Later lenders will need to comply with all the obligations of a lender under the Credit Contracts and Consumer Finance Act 2003 (the Act) and the Credit Contracts and Consumer Finance Regulations 2004 (the
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Disclaimer
The information on this website is intended to provide general information to the public.
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Industry specific guidance
To increase understanding of competition, consumer and credit laws the Commission has a range of industry specific guidance for businesses.
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Industry guidance
On 27th July 2023, we published industry guidance on the obligations of fuel retailers under the Fuel Industry Act and the Fair Trading Act in relation to displaying pricing information.
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Due diligence duties for directors and senior managers
From 1 December 2021, directors or senior managers of a consumer credit provider and/or mobile trader selling goods on credit need to comply with the due diligence duty.
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Unfair contract terms
Businesses are protected from unfair contract terms in common types of take-it-or-leave-it standard form contracts like those for power and phone.
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Making accurate claims
Consumers will often make purchasing decisions based on claims about characteristics such as 'free range' or 'organic', where goods are made, or the manufacturing process. The claims you make must be accurate and should not mislead…
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Buying an extended warranty
When making a big purchase you might be offered an extended warranty. Before deciding whether to purchase one, make sure you know exactly what extra protections the warranty offers you, compared with the rights you already have under the Consumer