(1) These Regulations apply in respect of a regulated consumer credit agreement, except as provided for in paragraphs (2) to (4).
(2) These regulations do not apply to an agreement to which section 58 of the Act (opportunity for withdrawal from prospective land mortgage) applies.
(3) These Regulations do not apply to an authorised non-business overdraft agreement which is -
(a) for credit which exceeds £60,260 unless it is a residential renovation agreement, or
(b) secured on land.
(4) Except as provided for in paragraph (5) these Regulations do not apply to an agreement -
(a) under which the creditor provides the debtor with credit exceeding £60,260 unless it is a residential renovation agreement,
(b) secured on land,
(c) entered into by the debtor wholly or predominantly for the purposes of a business also carried on, or intended to be carried on, by him, or
(d) made before 1st February 2011.
(5) These Regulations apply to an agreement mentioned in paragraph (4) (which is not also
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