Rules ›
Consumer Credit Act 1974
Consumer credit rights, including Section 75 joint liability for card purchases.
22,335banking decisions citing this rule
UKjurisdiction
The harms this rule produces
Issues most often decided in cases where this rule was cited.
| Issue | Decisions | Uphold rate |
|---|---|---|
| Irresponsible lending | 7,594 | 21.0% |
| Product mis-sold | 7,022 | 25.7% |
| Card dispute or chargeback | 4,634 | 25.2% |
| Complaint handling | 2,025 | 38.8% |
| Credit file reporting | 1,430 | 63.3% |
| Charges and fees | 1,029 | 44.1% |
| Treatment in financial difficulty | 519 | 25.0% |
| APP scam refund refused | 511 | 20.0% |
| Service failure | 390 | 55.9% |
| Unauthorised transaction | 343 | 37.0% |
| Support for vulnerable customers | 342 | 26.6% |
| Interest and rates | 320 | 24.4% |
How the United States handles the same risk
Regulation Z (Truth in Lending Act)
US credit disclosure and billing-error rules.