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Home Credit Market Regulation

The Competition and Markets Authority is reviewing the Home Credit Market Investigation Order 2007, specifically Parts 3, Article 29, and Schedule 4, to assess whether existing regulatory provisions remain appropriate for the home credit lending sector. The review is examining affordability requirements and other consumer protections in light of market developments and consumer vulnerability. The CMA has published provisional and final decisions with consultation on proposed variations to the Order.

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Family: Consultations
20 Nov 2024 | Consultation outcome Competition and Markets Authority linked

Review of Home Credit Market Investigation Order 2007: Final Decision and Notice of Intention to Vary consultation — outcome published

The CMA is seeking views on its Notice of Intention to Vary, and the variations that it proposes to make concerning Part 3, Article 29, and Part 1 of Schedule 4 of the Home Credit Market Investigation Order 2007.

▤ View document · ↗ GOV.UK · ↓ Review of parts of Home Credit Order - Final de… (46pp)
+1 more
↓ CCTA response (1pp)
21 Oct 2024 | Consultation outcome Competition and Markets Authority linked

Review of Home Credit Market Investigation Order 2007: Final Decision and Notice of Intention to Vary consultation — consultation closed

The CMA is seeking views on its Notice of Intention to Vary, and the variations that it proposes to make concerning Part 3, Article 29, and Part 1 of Schedule 4 of the Home Credit Market Investigation Order 2007.

▤ View document · ↗ GOV.UK · ↓ Review of parts of Home Credit Order - Final de… (46pp)
+1 more
↓ CCTA response (1pp)
17 Sep 2024 | Consultation outcome Competition and Markets Authority linked

Review of Home Credit Market Investigation Order 2007: Final Decision and Notice of Intention to Vary consultation — consultation opened

The CMA is seeking views on its Notice of Intention to Vary, and the variations that it proposes to make concerning Part 3, Article 29, and Part 1 of Schedule 4 of the Home Credit Market Investigation Order 2007.

▤ View document · ↗ GOV.UK · ↓ Review of parts of Home Credit Order - Final de… (46pp)
+1 more
↓ CCTA response (1pp)
2 Aug 2024 | Consultation outcome Competition and Markets Authority linked

Review of Part 3, Article 29, and Part 1 of Schedule 4 of the Home Credit Market Investigation Order 2007: Provisional decision — consultation closed

The CMA are consulting on a provisional decision concerning a review of Part 3, article 29 and Part 1 of Schedule 4 of the Home Credit Market Investigation Order 2007.

▤ View document · ↗ GOV.UK · ↓ Provisional decision (45pp)
+2 more
↓ Non-confidental consultation response (5pp) ↓ Non-confidental consultation response (4pp)
12 Jul 2024 | Consultation outcome Competition and Markets Authority linked

Review of Part 3, Article 29, and Part 1 of Schedule 4 of the Home Credit Market Investigation Order 2007: Provisional decision — consultation opened

The CMA are consulting on a provisional decision concerning a review of Part 3, article 29 and Part 1 of Schedule 4 of the Home Credit Market Investigation Order 2007.

▤ View document · ↗ GOV.UK · ↓ Provisional decision (45pp)
+2 more
↓ Non-confidental consultation response (5pp) ↓ Non-confidental consultation response (4pp)
12 Jul 2024 | Consultation outcome Competition and Markets Authority linked

CMA review of Part 3, Article 29, and Part 1 of Schedule 4 of the Home Credit Market Investigation Order 2007: Launch Consultation — outcome published

The CMA has launched a formal review of Part 3, Article 29, and Part 1 of Schedule 4 of the Home Credit Market Investigation Order 2007. It is consulting on potential changes in circumstance and potential outcomes resulting from any …

▤ View document · ↗ GOV.UK · ↓ Decision to launch a review of Part 3, Article … (7pp)
+4 more
↓ Anonymous (1pp) ↓ Consumer Credit Trade Association (CCTA) (3pp) ↓ Mutual Clothing and Supply Company Limited (5pp) ↓ Warwick Financial (2pp)
12 Jul 2024 | Consultation outcome Competition and Markets Authority linked

Review of Part 3, Article 29, and Part 1 of Schedule 4 of the Home Credit Market Investigation Order 2007: Provisional decision — outcome published

The CMA are consulting on a provisional decision concerning a review of Part 3, article 29 and Part 1 of Schedule 4 of the Home Credit Market Investigation Order 2007.

▤ View document · ↗ GOV.UK · ↓ Provisional decision (45pp)
+2 more
↓ Non-confidental consultation response (5pp) ↓ Non-confidental consultation response (4pp)
22 Mar 2024 | Consultation outcome Competition and Markets Authority linked

CMA review of Part 3, Article 29, and Part 1 of Schedule 4 of the Home Credit Market Investigation Order 2007: Launch Consultation — consultation closed

The CMA has launched a formal review of Part 3, Article 29, and Part 1 of Schedule 4 of the Home Credit Market Investigation Order 2007. It is consulting on potential changes in circumstance and potential outcomes resulting from any …

▤ View document · ↗ GOV.UK · ↓ Decision to launch a review of Part 3, Article … (7pp)
+4 more
↓ Anonymous (1pp) ↓ Consumer Credit Trade Association (CCTA) (3pp) ↓ Mutual Clothing and Supply Company Limited (5pp) ↓ Warwick Financial (2pp)
28 Feb 2024 | Consultation outcome Competition and Markets Authority linked

CMA review of Part 3, Article 29, and Part 1 of Schedule 4 of the Home Credit Market Investigation Order 2007: Launch Consultation — consultation opened

The CMA has launched a formal review of Part 3, Article 29, and Part 1 of Schedule 4 of the Home Credit Market Investigation Order 2007. It is consulting on potential changes in circumstance and potential outcomes resulting from any …

▤ View document · ↗ GOV.UK · ↓ Decision to launch a review of Part 3, Article … (7pp)
+4 more
↓ Anonymous (1pp) ↓ Consumer Credit Trade Association (CCTA) (3pp) ↓ Mutual Clothing and Supply Company Limited (5pp) ↓ Warwick Financial (2pp)
30 Jan 2024 | Consultation outcome Competition and Markets Authority linked

CMA review of Part 3, Article 29, and Part 1 of Schedule 4 of the Home Credit Market Investigation Order 2007 Consultation — consultation closed

The CMA is consulting on whether to carry out a formal review of Part 3, Article 29, and Part 1 of Schedule 4 of the Home Credit Market Investigation Order 2007.

▤ View document · ↗ GOV.UK · ↓ Notice of Suspension (1pp)
+4 more
↓ Invitation to Comment (5pp) ↓ CCAUK response to ITC (1pp) ↓ CCTA response to ITC (2pp) ↓ Mutual response to ITC (6pp)
16 Jan 2024 | Consultation outcome Competition and Markets Authority linked

CMA review of Part 3, Article 29, and Part 1 of Schedule 4 of the Home Credit Market Investigation Order 2007 Consultation — consultation opened

The CMA is consulting on whether to carry out a formal review of Part 3, Article 29, and Part 1 of Schedule 4 of the Home Credit Market Investigation Order 2007.

▤ View document · ↗ GOV.UK · ↓ Notice of Suspension (1pp)
+4 more
↓ Invitation to Comment (5pp) ↓ CCAUK response to ITC (1pp) ↓ CCTA response to ITC (2pp) ↓ Mutual response to ITC (6pp)
16 Jan 2024 | Consultation outcome Competition and Markets Authority linked

CMA review of Part 3, Article 29, and Part 1 of Schedule 4 of the Home Credit Market Investigation Order 2007 Consultation — outcome published

The CMA is consulting on whether to carry out a formal review of Part 3, Article 29, and Part 1 of Schedule 4 of the Home Credit Market Investigation Order 2007.

▤ View document · ↗ GOV.UK · ↓ Notice of Suspension (1pp)
+4 more
↓ Invitation to Comment (5pp) ↓ CCAUK response to ITC (1pp) ↓ CCTA response to ITC (2pp) ↓ Mutual response to ITC (6pp)