(1) These Regulations may be cited as the Consumer Credit (Disclosure of Information) Regulations 2010 and shall come into force on 30th April 2010.

(2) In these Regulations -

"the Act" means the Consumer Credit Act 1974;

"advance payment" includes any deposit and in relation to a regulated consumer credit agreement includes also any part-exchange allowance in respect of any goods agreed in antecedent negotiations to be taken by the creditor in part exchange but does not include a repayment of credit or any insurance premium or any amount entering into the total charge for credit;

"ancillary service" means a service that relates to the provision of credit under the agreement and includes in particular an insurance or payment protection policy;

"the APR" means the annual percentage rate of charge for credit determined in accordance with Schedule 2 to these Regulations and the total charge for credit rules;

"cash price" in relation to any goods, services, land or other things means the price or charge at which the goods, services, land or other things may be purchased by, or supplied to, the debtor for cash account being taken of any discount generally available from the dealer or supplier in question;