S.L. 376.9 Art. 1Citation andscope.           S.L. 378.12.

(1) The title of these regulations is the Financial

Institutions Act (Consumer Credit) Regulations.

(2) The scope of these regulations is to apply the relevant provisions of Directive 2008/48/EC of the European Parliament and of the Council of 23 April 2008 on credit agreements for consumers and repealing Council Directive 87/102/EEC, in so far as applicable to creditors as herein defined, and consequently these regulations shall be interpreted and applied accordingly and read in conjunction with the

Consumer Credit Regulations, where applicable, as specified in these regulations.

(3) These regulations establish a common framework for certain aspects of laws, regulations and administrative provisions concerning credit agreements covering credit for consumers falling within the scope of these regulations in accordance with regulation 4.