
1 

(1) This Order may be cited as the Consumer Credit (Exempt Agreements) Order 1989 and shall come into force on 19th June 1989.
(2) In this Order—
 “the Act” means the Consumer Credit Act 1974;
 “business premises” means premises for occupation for the purposes of a business (including any activity carried on by a body of persons, whether corporate or unincorporate) or for those and other purposes;and references to the total charge for credit and the rate thereof are respectively references to the total charge for credit and the rate thereof calculated in accordance with the Consumer Credit (Total Charge for Credit) Regulations 1980.
(3) The Orders specified in Schedule 2 to this Order are hereby revoked.
2 

(1) The Act shall not regulate a consumer credit agreement which falls within section 16(2) of the Act, being an agreement to which this paragraph applies.
(2) Where the creditor is a body specified in Part I of Schedule 1 to this Order, or a building society authorised under the Building Societies Act 1986, or an authorised institution under the Banking Act 1987 or a wholly-owned subsidiary of such an institution, paragraph (1) above applies only to—
(a) a debtor-creditor-supplier agreement falling within section 16(2)(a) or (c) of the Act;
(b) a debtor-creditor agreement secured by any land mortgage to finance—
(i) the purchase of land; or
(ii) the provision of dwellings or business premises on any land; or
(iii) subject to paragraph (3) below, the alteration, enlarging, repair or improvement of a dwelling or business premises on any land;
(c) a debtor-creditor agreement secured by any land mortgage to refinance any existing indebtedness of the debtor, whether to the creditor or another person, under any agreement by which the debtor was provided with credit for any of the purposes specified in heads (i) to (iii) of sub-paragraph (b) above.
(3) Head (iii) of sub-paragraph (b) of paragraph (2) above applies only—
(i) where the creditor is the creditor under—
(a) an agreement (whenever made) by which the debtor is provided with credit for any of the purposes specified in head (i) and head (ii) of that sub-paragraph; or
(b) an agreement (whenever made) refinancing an agreement under which the debtor is provided with credit for any of the said purposes,
being, in either case, an agreement relating to the land referred to in the said head (iii) and secured by a land mortgage on that land; or
(ii) where a debtor-creditor agreement to finance the alteration, enlarging, repair or improvement of a dwelling, secured by a land mortgage on that dwelling, is made as a result of any such services as are described in section 4(3)(dd) of the Housing Associations Act 1985 which are certified as having been provided by—
(a) a local authority;
(b) a housing association within the meaning of section 1 of the Housing Associations Act 1985 or Article 114 of the Housing (Northern Ireland) Order 1981;
(c) a body established by such a housing association for the purpose of providing such services as are described in the said section 4(3)(dd);
(d) a charity;
(e) the National Home Improvement Council; or
(f) the Northern Ireland Housing Executive.
(4) Where the creditor is a body specified in Part II of Schedule 1 to this Order, paragraph (1) above applies only to an agreement of a description specified in that Part in relation to that body and made pursuant to an enactment or for a purpose so specified.
(5) Where the creditor is a body specified in Part III of Schedule 1 to this Order, paragraph (1) above applies only to an agreement of a description falling within Article 2(2)(a) to (c) above, being an agreement advancing money on the security of a dwelling-house.
3 

(1) The Act shall not regulate a consumer credit agreement which is an agreement of one of the following descriptions, that is to say—
(a) a debtor-creditor-supplier agreement being either—
(i) an agreement for fixed-sum credit under which the total number of payments to be made by the debtor does not exceed four, and those payments are required to be made within a period not exceeding 12 months beginning with the date of the agreement; or
(ii) an agreement for running-account credit which provides for the making of payments by the debtor in relation to specified periods and requires that the number of payments to be made by the debtor in repayment of the whole amount of the credit provided in each such period shall not exceed one;
not being, in either case, an agreement of a description specified in paragraph (2) below; and in this sub-paragraph, “payment” means a payment comprising an amount in respect of credit with or without any other amount;
(b) a debtor-creditor-supplier agreement financing the purchase of land being an agreement under which the number of payments to be made by the debtor does not exceed four; and in this sub-paragraph, “payment” means a payment comprising or including an amount in respect of credit or the total charge for credit (if any);
(c) a debtor-creditor-supplier agreement for fixed-sum credit to finance a premium under a contract of insurance relating to any land or to anything thereon where—
(i) the creditor is the creditor under an agreement secured by a land mortgage on that land which either is an exempt agreement by virtue of section 16(1) of the Act or of article 2 above, or is a personal credit agreement which would be an exempt agreement by virtue of either of those provisions if the credit provided were not to exceed £15,000;
(ii) the amount of the credit is to be repaid within the period to which the premium relates, not being a period exceeding 12 months; and
(iii) there is no charge forming part of the total charge for credit under the agreement other than interest at a rate not exceeding the rate of interest from time to time payable under the agreement mentioned in head (i) above,
and the number of payments to be made by the debtor does not exceed twelve; and in this sub-paragraph “payment” has the same meaning as it has in paragraph (1)(b) above; and
(d) a debtor-creditor-supplier agreement for fixed-sum credit where—
(i) the creditor is the creditor under an agreement secured by a land mortgage on any land which either is an exempt agreement by virtue of section 16(1) of the Act or of article 2 above, or is a personal credit agreement which would be an exempt agreement by virtue of either of those provisions if the credit provided were not to exceed £15,000;
(ii) the agreement is to finance a premium under a contract of life insurance which provides, in the event of the death before the credit under the agreement referred to in head (i) above has been repaid of the person on whose life the contract is effected, for payment of a sum not exceeding the amount sufficient to defray the sums which, immediately after that credit has been advanced, would be payable to the creditor in respect of that credit and of the total charge for that credit; and
(iii) there is no charge forming part of the total charge for credit under the agreement other than interest at a rate not exceeding the rate of interest from time to time payable under the agreement referred to in head (i) above,
and the number of payments to be made by the debtor does not exceed twelve; and in this sub-paragraph, “payment” has the same meaning as it has in sub-paragraph (1)(b) above.
(2) The descriptions of agreement referred to in sub-paragraph (a) of paragraph (1) above and to which accordingly that sub-paragraph does not apply are—
(a) agreements financing the purchase of land;
(b) agreements which are conditional sale agreements or hire-purchase agreements; and
(c) agreements secured by a pledge (other than a pledge of documents of title or of bearer bonds).
4 

(1) The Act shall not regulate a consumer credit agreement which is an agreement of one of the following descriptions, that is to say—
(a) subject to paragraphs (2), (3) and (4) below, any debtor-creditor agreement in respect of which the rate of the total charge for credit does not exceed the rate referred to in paragraph (5) below;
(b) subject to paragraph (4) below, a debtor-creditor-supplier agreement for fixed-sum credit where—
(i) the creditor is the creditor under an agreement secured by a land mortgage on any land which either is an exempt agreement by virtue of section 16(1) of the Act or of article 2 above, or is a personal credit agreement which would be an exempt agreement by virtue of either of those provisions if the credit provided were not to exceed £15,000;
(ii) the agreement is to finance a premium under a contract of life insurance which provides, in the event of the death before the credit under the agreement referred to in head (i) above has been repaid of the person on whose life the contract is effected, for payment of a sum not exceeding the amount sufficient to defray the sums which, immediately after that credit has been advanced, would be payable to the creditor in respect of that credit and of the total charge for that credit; and
(iii) there is no charge forming part of the total charge for credit under the agreement other than interest at a rate not exceeding the rate of interest from time to time payable under the agreement referred to in head (i) above,
and in respect of which the rate of the total charge for credit does not exceed the rate referred to in paragraph (5) below;
(c) subject to paragraph (4) below, a debtor-creditor agreement in respect of which the only amount included in the total charge for credit is interest which cannot under the agreement at any time exceed the higher of the following, that is to say—
(i) the sum of one per cent and the highest of any base rates published by the banks named in paragraph (6) below, being the latest rates in operation on the date 28 days before any such time; and
(ii) 13 per cent;
and for the purposes of this sub-paragraph, “interest” means interest at a rate determined in accordance with the formula set out in paragraph (1) of regulation 7 of the Consumer Credit (Total Charge for Credit) Regulations 1980, and in that formula as applied by this paragraph “period rate of charge” has the meaning assigned to it in paragraph (2) of that regulation.
(2) Subject to paragraph (3) below, sub-paragraph (a) of paragraph (1) above does not apply to agreements which provide for an increase in, or permit the creditor to increase, the rate or amount of any item which—
(a) is included in the total charge for credit; or
(b) would fall to be so included, apart from the operation of regulation 14 of the Consumer Credit (Total Charge for Credit) Regulations 1980,
after the relevant date of the agreement within the meaning of regulation 1(2) of those Regulations.
(3) Sub-paragraph (a) of paragraph (1) above does apply to agreements—
(a) in relation to which the debtor, or any one of two or more debtors where each debtor is a relative of the other debtor or of one of the other debtors, is an employee of the creditor or of an associate of his and which provide for an increase in, or permit the creditor to increase, the rate or amount of any item such as is mentioned in paragraph (2) above on the termination of such employment with the creditor or such associate, as the case may be; or
(b) under which the rate or amount of any such item falls to be ascertained throughout the duration of the agreement by reference to the level of any index or other factor in accordance with any formula specified in the agreement;
and which do not provide for an increase in, or permit the creditor to increase, the rate or amount of any item mentioned in paragraph (2) above in any way other than those permitted by either or both of sub-paragraphs (a) or (b) of this paragraph.
(4) Paragraph (1) above does not apply to agreements under which the total amount to be repaid by the debtor to discharge his indebtedness in respect of the amount of credit provided may vary according to any formula specified in the agreement having effect by reference to movements in the level of any index or to any other factor.
(5) The rate mentioned in sub-paragraphs (a) and (b) of paragraph (1) above is the higher of the following, that is to say—
(a) the sum of one per cent and the highest of any base rates published by the banks named in paragraph (6) below, being the latest rates in operation on the date 28 days before the date on which the agreement is made; and
(b) 13 per cent.
(6) The banks referred to in paragraphs (1)(c) and (5)(a) above are—
 Bank of England
 Bank of Scotland
 Barclays Bank PLC
 Clydesdale Bank PLC
 Co-operative Bank Public Limited Company
 Coutts & Co.
 Lloyds Bank PLC
 Midland Bank Public Limited Company
 National Westminster Bank Public Limited Company
 The Royal Bank of Scotland p.l.c.
 TSB England & Wales public limited company.
5 
The Act shall not regulate a consumer credit agreement made—
(a) in connection with trade in goods or services between the United Kingdom and a country outside the United Kingdom or within a country or between countries outside the United Kingdom, being an agreement under which credit is provided to the debtor in the course of a business carried on by him; or
(b) between a creditor listed in Part IV of Schedule 1 to this Order and a debtor who is—
(i) a member of any of the armed forces of the United States of America;
(ii) an employee not habitually resident in the United Kingdom of any of those forces; or
(iii) any such member’s or employee’s wife or husband or any other person (whether or not a child of his) whom he wholly or partly maintains and treats as a child of the family.
6 
The Act shall not regulate a consumer hire agreement where the owner is a body corporate authorised by or under any enactment to supply electricity or water and the subject of the agreement is a meter or metering equipment used or to be used in connection with the supply of electricity or water, as the case may be.
Francis Maude
Parliamentary Under-Secretary of State,
Department of Trade and Industry
19th May 1989
SCHEDULE 1
Articles 2 and 5
PART I

 Abbey Life Assurance Company Limited
 Abbey Life Pension and Annuities Limited
 Albany Life Assurance Company Limited
 Allchurches Life Assurance Limited
 Alliance Assurance Company Limited
 Allied Dunbar Assurance PLC
 Ambassador Life Assurance Company Limited
 American Life Insurance Company
 Ansvar Insurance Company Limited
 Atlas Assurance Company Limited
 Australian Mutual Provident Society
 Avon Insurance PLC
 Black Horse Life Assurance Company Limited
 Bradford Insurance Company Limited
 Britannic Assurance Public Limited Company
 The British & European Reinsurance Company Limited
 British Equitable Assurance Company Limited
 The British Life Office Limited
 The British Oak Insurance Company Limited
 British Reserve Insurance Company Limited
 Caledonian Insurance Company
 The Cambrian Insurance Company Limited
 The Canada Life Assurance Company
 Cannon Assurance Limited
 Car and General Insurance Corporation Limited
 Citibank Assurance Company Limited
 City of Westminster Assurance Company Limited
 City of Westminster Assurance Society Limited
 Clerical, Medical and General Life Assurance Society
 The Colonial Mutual Life Assurance Society Limited
 Commercial Union Assurance Company plc
 Commercial Union Pensions Management Limited
 Commercial Union Life Assurance Company Limited
 Confederation Life Insurance Company
 The Contingency Insurance Company Limited
 Co-operative Insurance Society Limited
 Cornhill Insurance Public Limited Company
 Criterion Insurance Company Limited
 Crown Life Assurance Company Limited
 Crown Life Insurance Company Limited
 Crown Life Pensions Limited
 Crusader Insurance PLC
 The Dominion Insurance Company Limited
 Eagle Star Insurance Company Limited
 Ecclesiastical Insurance Office plc
 Economic Insurance Company Limited
 English & American Insurance Company Limited
 The Equitable Life Assurance Society
 Equity & Law Life Assurance Society plc
 Essex and Suffolk Insurance Company Limited
 Excess Insurance Company Limited
 Federation Mutual Insurance Limited
 Fine Art and General Insurance Company Limited
 Friends' Provident Life Office
 FS Assurance Limited
 General Accident Fire and Life Assurance Corporation Public Limited Company
 General Accident Life Assurance Limited
 General Accident Linked Life Assurance Limited
 General Portfolio Life Insurance Public Limited Company
 Gisborne Life Assurance Company Limited
 Gresham Life Assurance Society Limited
 Guardian Assurance plc
 Guardian Royal Exchange Assurance plc
 Hill Samuel Life Assurance Limited
 The Ideal Insurance Company Limited
 The Imperial Life Assurance Company of Canada
 Irish Life Assurance plc
 The Iron Trades Employers Insurance Association Limited
 Langham Life Assurance Company Limited
 Legal and General Assurance Society Limited
 The Licenses and General Insurance Company Limited
 The Life Association of Scotland Limited
 London Aberdeen & Northern Mutual Assurance Society Limited
 London and Manchester Assurance Company Limited
 London and Manchester (Pensions) Limited
 London & Scottish Assurance Corporation Limited
 The London Assurance
 The London Life Association Limited
 The Manufacturers Life Insurance Company
 Marine and General Mutual Life Assurance Society
 Maritime Insurance Company Limited
 Medical Sickness Annuity & Life Assurance Society Limited
 The Mercantile and General Reinsurance Company plc
 Midland Assurance Limited
 The Motor Union Insurance Company Limited
 Minster Insurance Company Limited
 Municipal Life Assurance Limited
 Municipal Mutual Insurance Limited
 NALGO Insurance Association Limited
 National Employers' Life Assurance Company Limited
 National Employers' Mutual General Insurance Association Limited
 The National Farmers Union Mutual Insurance Society Limited
 National House-Building Council
 The National Insurance and Guarantee Corporation PLC
 The National Mutual Life Association of Australasia Limited
 National Mutual Life Assurance Society
 National Provident Institution
 National Vulcan Engineering Insurance Group Limited
 N.E.L. Pensions Limited
 The New Zealand Insurance plc
 North British & Mercantile Insurance Company Limited
 The Northern Assurance Company Limited
 Norwich Union Asset Management Limited
 Norwich Union Fire Insurance Society Limited
 Norwich Union Insurance Group (Pensions Management) Limited
 Norwich Union Life Insurance Society
 NRG London Reinsurance Company Limited
 Oaklife Assurance Limited
 The Ocean Accident & Guarantee Corporation Limited
 The Orion Insurance Company P.L.C.
 Pearl Assurance Public Limited Company
 Pensions Management (SWF) Limited
 Permanent Insurance Company Limited
 Phoenix Assurance Public Limited Company
 Pioneer Mutual Insurance Company Limited
 Property Growth Pensions & Annuities Limited
 Provident Life Association Limited
 Provident Mutual Life Assurance Association
 Provincial Insurance Public Limited Company
 Provincial Life Assurance Company Limited
 The Prudential Assurance Company Limited
 Railway Passengers Assurance Company
 Refuge Assurance, public limited company
 Regency Life Assurance Company Limited
 The Reliance Fire and Accident Insurance Corporation Limited
 The Reliance Marine Insurance Company Limited
 Reliance Mutual Insurance Society Limited
 Royal Exchange Assurance
 Royal Insurance Public Limited Company
 Royal Insurance (Int.) Limited
 Royal Insurance (U.K.) Limited
 Royal Life Insurance Limited
 Royal Life (Unit Linked Assurances) Limited
 Royal Life (Unit Linked Pension Funds) Limited
 The Royal London Mutual Insurance Society Limited
 The Royal National Pension Fund for Nurses
 Royal Reinsurance Company Limited
 Schroder Life Assurance Limited
 Scottish Amicable Life Assurance Society
 Scottish Equitable Life Assurance Society
 Scottish General Insurance Company Limited
 Scottish Insurance Corporation Limited
 The Scottish Life Assurance Company
 The Scottish Mutual Assurance Society
 The Scottish Provident Institution
 Scottish Union and National Insurance Company
 Scottish Widows' Fund and Life Assurance Society
 Sentinel Life plc
 Skandia Life Assurance Company Limited
 Standard Life Assurance Company
 Standard Life Pension Funds Limited
 The State Assurance Company Limited
 Suffolk Life Annuities Limited
 Sun Alliance and London Assurance Company Limited
 Sun Insurance Office Limited
 Sun Life Assurance Company of Canada
 Sun Life Assurance Society plc
 Target Life Assurance Company Limited
 Teachers Assurance Company Limited
 Trident Investors Life Assurance Company Limited
 Trident Life Assurance Company Limited
 Trinity Insurance Company Limited
 United British Insurance Company Limited
 United Friendly Insurance plc
 United Kingdom Temperance and General Provident Institution
 United Standard Insurance Company Limited
 The University Life Assurance Society
 The Victory Reinsurance Company Limited
 Wesleyan and General Assurance Society
 The Western Australian Insurance Company Limited
 The White Cross Insurance Company Limited
 World-Wide Reassurance Company Limited
 The Yorkshire Insurance Company Limited
 Zurich Life Assurance Company Limited


 The Ancient Order of Foresters Friendly Society
 Anglo-Saxons Friendly Society
 Blackburn Philanthropic Mutual Assurance Society
 British Benefit Society
 British Order of Ancient Free Gardeners' Friendly Society
 British United Order of Oddfellows Friendly Society
 Brunel Assurance Society
 Cirencester Benefit Society
 City of Glasgow Friendly Society
 Civil Servants' Annuities Assurance Society
 Colmore Friendly Society
 Coventry Assurance Society
 Dentists' Provident Society
 Devon and Exeter Men’s Equitable Benefit Society
 Devon and Exeter Women’s Equitable Benefit Society
 Grand United Order of Oddfellows Friendly Society
 The Hampshire and General Friendly Society
 Harvest Friendly Society
 Hazel Grove Provident Burial Society
 Hearts of Oak Benefit Society
 Hoddesdon Provident and Annuity Society
 The Ideal Benefit Society
 Independent Order of Oddfellows Kingston Unity Friendly Society
 The Independent Order of Odd Fellows Manchester Unity Friendly Society
 The Independent Order of Rechabites, Salford Unity, Friendly Society
 Leeds District of the Ancient Order of Foresters Investment Association
 Leek Assurance Collecting Society
 The Leicester District Foresters' Investment Society
 Liverpool Victoria Friendly Society
 The Loyal Order of Ancient Shepherds (Ashton Unity) Friendly Society
 Loyal Past and Present Officers' Lodge, Norwich District, Independent Order of Oddfellows M.U. Friendly Society
 The Manchester and Districts of the Ancient Order of Foresters Investment Association
 National Deposit Friendly Society
 National Equalized Druids Friendly Society
 National United Order of Free Gardeners Friendly Society
 New Tab Friendly Society
 Northumberland and Durham Miners' Permanent Relief Fund Friendly Society
 Nottingham Oddfellows Friendly Society
 Nottingham Permanent Mutual Money Society
 The Order of Druids Friendly Society
 The Order of the Sons of Temperance Friendly Society
 Original Holloway Society
 Pioneer Benefit Society
 Preston Catholic Collecting Society
 Preston Shelley Assurance Collecting Society
 Provident Reliance Friendly Society
 Rational and County Assurance Society
 Royal Liver Friendly Society
 Scottish Friendly Assurance Society
 The Scottish Legal Life Assurance Society
 Sons of Scotland Temperance Friendly Society
 Stepney District Distressed Members' Pension Benevolent Fund
 Suffolk Friendly Society
 The Sussex Widow and Orphans Society
 Teachers Provident Society
 Time Assurance Society
 Tunbridge Wells Equitable Friendly Society
 Tunstall and District Assurance Collecting Society
 United Ancient Order of Druids Friendly Society
 United Kingdom Civil Service Benefit Society
 United Patriots' National Benefit Society
 West Surrey General Benefit Society
 Widow and Orphan Fund of the Woolwich District of the Independent Order of Odd Fellows Manchester Unity Friendly Society
 Widow and Orphans' Fund, Stepney District of the Independent Order of Odd Fellows, Manchester Unity Friendly Society
 Widows' and Orphans' Society, Ware District of Odd Fellows
 Widow, Widowers and Orphans' Fund of the Godalming District of the Independent Order of Oddfellows, Manchester Unity, Friendly Society
 Wiltshire Holloway Benefit Society


 The Central Board of Finance of the Church of England
 Church Commissioners
 The Church of England Pensions Board
 The Church of Scotland
 The Church of Scotland General Trustees
 Church of Scotland Trust
 Timber Trades Benevolent Society
 The Winchester Diocesan Board of Finance
 York Diocesan Board of Finance Limited

PART II

Bodies Corporate Description of Agreement and Enactments
land improvement companies
The Lands Improvement Company Agreements of a description falling within section 16(2) of the Act, being agreements made pursuant to—
(a) the Lands Improvement Company’s Acts 1853 to 1969; or
(b) the Improvement of Land Acts 1864 and 1899.
bodies corporate named or specifically referred to in a public general act
united kingdom
The Agricultural Mortgage Corporation PLC Agreements of a description falling within section 16(2) of the Act, being agreements made for a purpose consistent with the principal objects of that body set out in section 1(1)(a) and (b) of the Agricultural Credits Act 1928.
Commission for the New Towns Agreements of a description falling within section 16(2) of the Act, being agreements made pursuant to section 132(1) of the Housing Act 1985, or falling within article 2(2)(a) to (c), being agreements made pursuant to section 36 of the New Towns Act 1981.
The Eastern Electricity Board Agreements of a description falling within article 2(2)(a) to (c), being agreements made between the Board and employees or prospective employees of the Board pursuant to section 2(5) of the Electricity Act 1947.
The Electricity Council Agreements of a description falling within article 2(2)(a) to (c), being agreements made between the Council and employees or prospective employees of the Council pursuant to section 2(5) of the Electricity Act 1947, as applied in relation to the Council by section 3(6) of the Electricity Act 1957.
The London Docklands Development Corporation Agreements of a description falling within article 2(2)(a) to (c), being agreements made pursuant to section 136 of the Local Government, Planning and Land Act 1980.
The London Electricity Board Agreements of a description falling within article 2(2)(a) to (c), being agreements made between the Board and employees or prospective employees of the Board pursuant to section 2(5) of the Electricity Act 1947.
The North Eastern Electricity Board Agreements of a description falling within article 2(2)(a) to (c), being agreements made between the Board and employees or prospective employees of the Board pursuant to section 2(5) of the Electricity Act 1947.
The Scottish Agricultural Securities Corporation plc Agreements of a description falling within section 16(2) of the Act, being agreements made for a purpose consistent with the principal objects of that body set out in section 1(1)(a) and (b) of the Agricultural Credits (Scotland) Act 1929.
Sea Fish Industry Authority Agreements of a description falling within section 16(2) of the Act, being agreements made pursuant to section 3(1)(e) and (f) of the Fisheries Act 1981.
The South Eastern Electricity Board Agreements of a description falling within article 2(2)(a) to (c), being agreements made between the Board and employees or prospective employees of the Board pursuant to section 2(5) of the Electricity Act 1947.
The South Western Electricity Board Agreements of a description falling within article 2(2)(a) to (c), being agreements made between the Board and employees or prospective employees of the Board pursuant to section 2(5) of the Electricity Act 1947.
The Southern Electricity Board Agreements of a description falling within article 2(2)(a) to (c), being agreements made between the Board and employees or prospective employees of the Board pursuant to section 2(5) of the Electricity Act 1947.
The Yorkshire Electricity Board Agreements of a description falling within article 2(2)(a) to (c), being agreements made between the Board and employees or prospective employees of the Board pursuant to section 2(5) of the Electricity Act 1947.
northern ireland
Eastern Health and Social Services Board Agreements of a description falling within section 16(2) of the Act, being agreements made pursuant to article 59 of and Schedule 9 to the Health and Personal Social Services (Northern Ireland) Order 1972.
Northern Health and Social Services Board Agreements of a description falling within section 16(2) of the Act, being agreements made pursuant to article 59 of and Schedule 9 to the Health and Personal Social Services (Northern Ireland) Order 1972.
Southern Health and Social Services Board Agreements of a description falling within section 16(2) of the Act, being agreements made pursuant to article 59 of and Schedule 9 to the Health and Personal Social Services (Northern Ireland) Order 1972.
Western Health and Social Services Board Agreements of a description falling within section 16(2) of the Act, being agreements made pursuant to article 59 of and Schedule 9 to the Health and Personal Social Services (Northern Ireland) Order 1972.
PART III

 Abbey Life Executive Mortgages Limited
 Abbey Life Funding Limited
 Abbey Life Home Loans Limited
 Abbey Life Home Services Limited
 Abbey Life Mortgage Finance Limited
 Abbey Life Mortgage Loans Limited
 Abbey Life Mortgage Securities Limited
 Abbey Life Residential Loans Limited
 CIS Mortgage Maker Limited
 General Portfolio Finance Limited
 Lombard Home Loans Limited
 London and Manchester (Mortgages) (No. 1) Limited
 London and Manchester (Mortgages) (No. 2) Limited
 The National Home Loans Corporation Limited
 National Mutual Home Loans plc
 National Westminster Home Loans Limited
 Royal London Homebuy Limited

PART IV

 A Federal Credit Union (as defined in the Federal Credit Union Act of the United States of America of 26th June 1934)
 American Book Distributors Inc.
 American Express Bank Limited

SCHEDULE 2
Article 1(3)


Orders revoked References
The Consumer Credit (Exempt Agreements) (No. 2) Order 1985 S.I. 1985/757
The Consumer Credit (Exempt Agreements) (No. 2) (Amendment) Order 1985 S.I. 1985/1736
The Consumer Credit (Exempt Agreements) (No. 2) (Amendment No. 2) Order 1985 S.I. 1985/1918
The Consumer Credit (Exempt Agreements) (No. 2) (Amendment) Order 1986 S.I. 1986/1105
The Consumer Credit (Exempt Agreements) (No. 2) (Amendment No. 2) Order 1986 S.I. 1986/2186
The Consumer Credit (Exempt Agreements) (No. 2) (Amendment) Order 1987 S.I. 1987/1578
The Consumer Credit (Exempt Agreements) (No. 2) (Amendment) Order 1988 S.I. 1988/707
The Consumer Credit (Exempt Agreements) (No. 2) (Amendment No. 2) Order 1988 S.I. 1988/991