(1) A credit intermediary shall indicate in advertising and documentation intended for consumers the extent of his or her powers, in particular whether he or she works exclusively with one or more creditors or as an independent broker.

(2) A credit intermediary shall ensure that any fee payable by a consumer to the credit intermediary for his or her services is disclosed to the consumer, and agreed between the consumer and the credit intermediary on paper or on another durable medium before the relevant credit agreement is concluded.

(3) A credit intermediary shall ensure that any fee payable by a consumer to the credit intermediary for the credit intermediary's services is communicated to the creditor by the credit intermediary for the purpose of calculation of the annual percentage rate of charge.

(4) A credit intermediary that contravenes a provision of this Regulation commits an offence.