Consumer Credit: Law & Practice 2015

Publication Date:
31 Jan 2015


Alexander Hill-Smith provides a clear and complete guide to the difficult area of consumer credit law. Now it its second edition, Consumer Credit: Law and Practice covers the major and fundamental changes occurred in consumer credit law in the recent past, due in part to the regulation since 1st April 2014 of consumer credit by the Financial Conduct Authority.


Fully updated for the second edition, Alexander Hill-Smith considers new developments including:


The new authorisation process under the Financial Services and Markets Act 2000, including the interim permission regime, and its consequences


  • The new regime for financial promotions as applied to credit and hire advertising
  • The new rules controlling high cost short term lending and peer to peer lending
  • The new provisions of the recently released Consumer Credit Sourcebook (CONC)
  • The new requirements governing mortgage lending as contained in MCOB
  • The requirements for distance selling and off-premises contracts as applied to consumer credit and consumer hire including the impact of the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013
  • The jurisdiction of the financial ombudsman service on consumer credit. Also considered is the recent case law on the powerful unfair relationships jurisdiction


This comprehensive and practice guide is essential reading for legal practitioners, finance houses, credit reference agencies and retail organisations.


Practice Areas:

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