Financial Institutions Act (Consumer (S.L. 376.10)

Inhalt

1. Art. 1 Citation, scope, and commencement.
2. Art. 2 Interpretation. Cap. 376.  Cap. 330.            S.L. 376.11.    S.L. 376.11.  Cap. 330.        Cap. 645.
3. Art. 3 Competent authority. Cap. 330.
4. Art. 4 Applicability.
5. Art. 5 Non-applicability.  Cap. 370.   Cap. 371.
6. Art. 6 Obligations of creditorsandcredit intermediaries.
7. Art. 7 Advertisements. Cap. 378. Cap. 378.
8. Art. 8 General information.
9. Art. 9 Obligation to provide pre- contractual information.    S.L. 330.07.
10. Art. 10 Content of pre- contractual information.   S.L. 330.10.  S.L. 330.07.
11. Art. 11 Pre-contractual information relating to credit agreements referred to in regulation 4(1)(c).    S.L. 330.07.  S.L. 330.07.
12. Art. 12 Adequate explanations.
13. Art. 13 Personalised offers on the basis of automated processing. Cap. 586.
14. Art. 14 Tyingandbundling practices.
15. Art. 15 Inferred agreement for the conclusion of any credit agreement or the purchase of ancillary services.
16. Art. 16 Advisory services.
17. Art. 17 Ban on unsolicited granting of credit.
18. Art. 18 Obligation to assess creditworthinessof consumer.    Cap. 586.
19. Art. 19  Databases.     Cap. 586.
20. Art. 20 Form of the credit agreement.
21. Art. 21 Information to be included in the credit agreement.
22. Art. 22 Information regarding the modification of the credit agreement.
23. Art. 23 Changes in the borrowing rate.
24. Art. 24 Overdraft facilities.
25. Art. 25 Overrunning.
26. Art. 26 Right of withdrawal. S.L. 330.07.
27. Art. 27 Linked credit agreements.
28. Art. 28 Open-end credit agreements.
29. Art. 29 Early repayment.
30. Art. 30 Calculation of the annual percentage rate of charge.
31. Art. 31 Measures to limit borrowing rates, annual percentage rates of charge or total costs of credit to the consumer.         S.L. 376.07.
32. Art. 32 Conduct of business obligations when providing credit to consumers.
33. Art. 33 Knowledge and competence requirements for staff.
34. Art. 34 Arrears and forbearance measures.
35. Art. 35 Independent debt advisory services.
36. Art. 36 Assignment of rights and set-off.  Cap. 16.
37. Art. 37 Administrative penalties, other administrative measures and appeals.
38. Art. 38 Regulations shall prevail.
39. Art. 39 Repeal and savings. S.L. 376.09.