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regulated agreement

(under the Consumer Credit Act 1974) Any *consumer-credit agreement or *consumer-hire agreement other than one specifically exempted by the Act. Exempted agreements include debtor-creditor-supplier agreements secured by a land mortgage, in which the creditor is a local authority or building society who finances the purchase of that land or the provision of dwellings on the land, and *debtor-creditor agreements secured by a land mortgage. The Act also enables the Secretary of State to exempt other consumer-credit agreements in which the number of payments to be made by the debtor does not exceed a specified number, the rate of the total charge for credit does not exceed a specified rate, or the agreement has a connection with a country outside the UK.

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