In regulation 3 (information to be disclosed to a debtor or hirer before a regulated agreement is made), after paragraph (1), insert -
"(1A) In the case of an agreement falling within regulation 2(1)(c), (d) or (e), the creditor shall provide, in addition to the information specified in paragraph (1), a statement that if he decided not to proceed with a prospective regulated consumer credit agreement on the basis of information from a credit reference agency, he will, when informing the debtor of that decision, inform the debtor that the decision has been reached on the basis of information from a credit reference agency and of the particulars of that agency (in compliance with section 157(A1) of the Act.".