Publications

We produce a number of more detailed guidance booklets to help businesses. Where publications are available to download, links are provided. Otherwise, you can order copies from the publications page. 

Credit advertising guidance
The Advertisements Regulations apply to most advertisements for consumer credit, consumer hire or credit brokerage. They apply to all forms of advertising, including those in print (newspapers, circular letters, flyers, catalogues or billboards), on television or radio, on the internet, on teletext and by way of telephone canvassing.

Buying or selling on credit (35 kb)
Who is responsible if things go wrong? In certain circumstances under section 75 (equal liability) of the Consumer Credit Act 1974, the credit grantor may be equally responsible for any breach of contract or misrepresentation by the supplier.

Credit charges and APR (238 kb)
How to calculate the total charge for credit and the annual percentage rate of charge.

Debt collection practices (34 kb)
A guidance note outlining the OFT's views on so-called 'look alike' letters and debt collection charges, in relation to his licensing responsibilities under the Consumer Credit Act 1974.

Equal liability (378 kb)
Buying or selling on credit - who is responsible when things go wrong?

Non-status lending (44 kb)
Guidelines for lenders and brokers to consider and follow to avoid unfair business practices.

Right to recover brokerage fees (42 kb)
A guidance note outlining the OFT's views on recovering brokerage fees (section 155) under the Consumer Credit Act 1974.

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