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CONSUMER CREDIT ACT REFORM (CCA REFORM)

CONSUMER CREDIT ACT REFORM (CCA REFORM)

All you need to know about Consumer Credit Act reform

HM Treasury has published its long-awaited final policy and approach on the Consumer Credit Act reform (CCA reform). Many remaining CCA provisions and related secondary legislation will be repealed, with key requirements recast into Financial Conduct Authority (FCA) rules. FCA will consult on these rules, taking a holistic approach to the consumer credit process, underpinned by the Consumer Duty. The legislative changes are being delivered through the Financial Services and Markets Bill [HL] which has been introduced in the Parliament on 19 May 2026.

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Consumer Credit Act reform timeline

Consumer Credit Act reform timeline

Key areas for reform

Information requirements

Sanctions

Criminal offences

Rights and protections

Information provisions in the CCA and accompanying regulations to be replaced with FCA rules aligned with the Consumer Duty.

Repeal automatic sanctions and rely on the FCA's supervisory and enforcement toolkit instead.

Criminal offences under the CCA, such as offering credit to minors or unsolicited door-to-door selling of credit, will be retained.

Many provisions will be repealed, but uncertainty remains over sections 75 and 140A, which are deferred for further consideration.

Cross cutting themes

Cross-cutting themes (e.g., Islamic Finance) remain unresolved; timeline unclear.

Information requirements

Sanctions

Information provisions in the CCA and accompanying regulations to be replaced with FCA rules aligned with the Consumer Duty.

Repeal automatic sanctions and rely on the FCA's supervisory and enforcement toolkit instead.

Criminal offences

Rights and protections

Criminal offences under the CCA, such as offering credit to minors or unsolicited door-to-door selling of credit, will be retained.

Many provisions will be repealed, but uncertainty remains over sections 75 and 140A, which are deferred for further consideration.

Cross cutting themes

Cross-cutting themes (e.g., Islamic Finance) remain unresolved; timeline unclear.

Client Guide

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CCA Reform Final Policy - Client Guide

We have created a helpful guide to navigate our clients through the Government’s final policy to help them understand the implications and plan for the implementation of changes arising from the reform. This also provides information and viewpoints that firms may want to consider in their engagement with the FCA or for any response to future consultations on the new CCA regime.

Get in touch to access the guide

Key contacts

Rosanna Bryant
Rosanna Bryant
Partner, Head of Financial Services Regulation
London, UK
Clare Hughes
Clare Hughes
Partner, Financial Regulation
London, UK
Sophie Skelton
Sophie Skelton
Partner, Financial Regulation
London, UK

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