A consumer credit agreement is an agreement between an individual ( "the debtor") and any other person ( "the creditor") by which the creditor provides the debtor with credit of any amount.
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A consumer credit agreement is a regulated credit agreement within the meaning of this Act if it—
is a regulated credit agreement for the purposes of Chapter 14A of Part 2 of the Regulated Activities Order; and
if entered into on or after 21st March 2016, is not an agreement the purpose of which is the acquisition or retention, by an individual acting for purposes outside those of any trade, business or profession carried on by the individual, of property rights in land or in an existing or projected building.
A reference in paragraph (3)(b) to any land or building—
in relation to an agreement entered into before IP completion day, is a reference to any land or building in the United Kingdom or within the territory of an EEA State;
in relation to an agreement entered into on or after IP completion day, is a reference to any land or building in the United Kingdom.
Subsection (1) does not apply in relation to an agreement that is a green deal plan (see instead section 189B).