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Consultations
The table below summarises the formal consultation exercises that have taken place during the implementation of the Consumer Credit Act 2006.
Consultations on various aspects of the Act have been published by this Department, the Office of Fair Trading (OFT), and the Ministry of Justice (MoJ). The consultation documents can be accessed either from links in the table below or the links on the right.
| Estimated date and lead Department | Content of consultation and relevant section(s) of Act |
| 16 June - 11 Oct 2006 (FOS) - Closed | Rules for the new consumer credit alternative dispute resolution scheme (section 59) |
| 29 June - 29 Sept 2006 (OFT) - Closed | Guidance on enforcement action in relation to Unfair Relationships, under Part 8 of the Enterprise Act 2002 (section 22) |
| 2 Aug - 24 Nov 2006 (DTI) - Closed | Secondary legislation on: exemptions (sections 3-4); post-contract information requirements (sections 6, 7, 9, 10, 12, 14, 17); and time periods for the purpose of licensing (sections 34-35) ). The Government responded to the consultation on 12 March 2007. |
| June - September 2007 (OFT) Closed, awaiting response. | Guidance on new fitness test, requirements and civil penalties Statement of Policy. The consultations closed on 21 September. The guidance documents were issued on 7 January 2008. Responses will be published shortly. |
| 5 November 2007- 27 January 2008 (MoJ) Closed, with response. | Rules for the Consumer Credit Appeals Tribunal. The Rules were made on 10 March 2008. The Government responded on 26 June 2006 |
| 19 December 2007 – 12 March 2008Closed, with response. | Proposed amendments to the Consumer Credit Act 1974 to exempt buy-to-let lending satisfying certain conditions, clarify the giving of statements for fixed-sum credit agreements and provide definitions of 'payments' for the purpose of issuing arrears notices. The Government responded on 11 June 2008. |