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Consumer Credit Act 2006 (c. 14)Introductory TextAgreements regulated under the 1974 Act etc. (ss. 1-5)1. Definition of "individual"2. Removal of financial limits etc.3. Exemption relating to high net worth debtors and hirers4. Exemption relating to businesses5. Consequential amendments relating to ss. 1 to 4Statements to be provided in relation to regulated credit agreements (ss. 6-7)6. Statements to be provided in relation to fixed-sum credit agreements7. Further provision relating to statementsDefault under regulated agreements (ss. 8-18)8. OFT to prepare information sheets on arrears and default9. Notice of sums in arrears under fixed-sum credit agreements etc.10. Notice of sums in arrears under running-account credit agreements11. Failure to give notice of sums in arrears12. Notice of default sums13. Interest on default sums14. Default notices15. Enforceability of regulated agreements16. Time orders17. Interest payable on judgment debts etc.18. Definition of "default sum"Unfair relationships (ss. 19-22)19. Unfair relationships between creditors and debtors20. Powers of court in relation to unfair relationships21. Interpretation of ss. 140A and 140B of the 1974 Act22. Further provision relating to unfair relationshipsBusinesses requiring a licence and consequences of not being licensed (ss. 23-26)23. Definitions of "consumer credit business" and "consumer hire business"24. Debt administration etc.25. Credit information services26. Enforcement of agreements by unlicensed trader etc.Applications for licences and fitness to hold a licence etc. (ss. 27-33)27. Charge on applicants for licences etc.28. Applications for standard licences29. Issue of standard licences30. Guidance on fitness test31. Variation of standard licences etc.32. Winding-up of standard licensee's business33. Consequential amendments relating to ss. 27 to 32Duration of licences and charges (ss. 34-37)34. Definite and indefinite licences35. Charges for indefinite licences36. Extension of period to pay charge for indefinite licence37. Failure to pay charge for indefinite licenceFurther powers of OFT to regulate conduct of licensees etc. (ss. 38-43)38. Power of OFT to impose requirements on licensees39. Power of OFT to impose requirements on supervisory bodies40. Supplementary provision relating to requirements41. Procedure in relation to requirements42. Guidance on requirements43. Consequential amendments relating to requirementsPowers and duties in relation to information (ss. 44-51)44. Provision of information etc. by applicants45. Duties to notify changes in information etc.46. Power of OFT to require information generally47. Power of OFT to require access to premises48. Entry to premises under warrant49. Failure to comply with information requirement50. Officers of enforcement authorities other than OFT51. Consequential amendments relating to informationCivil penalties (ss. 52-54)52. Power of OFT to impose civil penalties53. Further provision relating to civil penalties54. Statement of policy in relation to civil penaltiesAppeals (ss. 55-58)55. The Consumer Credit Appeals Tribunal56. Appeals to the Consumer Credit Appeals Tribunal57. Appeals from the Consumer Credit Appeals Tribunal58. Consequential amendments relating to appealsOmbudsman scheme (ss. 59-61)59. Financial services ombudsman scheme to apply to consumer credit licensees60. Funding of ombudsman scheme61. Consequential amendments relating to ombudsman schemeMiscellaneous (ss. 62-65)62. Monitoring of businesses by OFT63. Disapplication of s.101 of the 1974 Act64. Determinations etc. by OFT65. Sums received by OFTFinal provisions (ss. 66-71)66. Financial provision67. Interpretation68. Consequential amendments69. Transitional provision and savings70. Repeals71. Short title, commencement and extentSchedule 1 Schedule A1 to the 1974 ActSchedule 2 Part 3A of Schedule 17 to the 2000 ActSchedule 3 Transitional Provision and SavingsSchedule 4 Repeals
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Civil penalties (ss. 52-54)

52. Power of OFT to impose civil penalties
53. Further provision relating to civil penalties
54. Statement of policy in relation to civil penalties
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