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The Consumer Credit (Disclosure of Information) Regulations 2010 have been amended so that references to “SECCI” (the Standard European Consumer Credit Information) are deleted – the documents shall now simply be known as the Pre-Contract Credit Information.

However, there is no substantive change to the contents of the document.

It is fair to say that much of the complexity of consumer credit legislation in the UK has been caused by the piecemeal implementation of European directives over the past couple of decades, but it remains to be seen how the Government will approach the question of a properly codified consumer credit regime going forward.