Guidance

Guidance on applying to the Tribunal can be found at forms & guidance

Picture of a calculator and a credit card

Welcome to the Consumer Credit Appeals Tribunal Website

The Consumer Credit Act 1974 provides a licensing regime, administered by the Office of Fair Trading (OFT – see link below), for traders in the consumer credit business or consumer hire business. Those wishing to conduct regulated business require to be licensed by the OFT. The OFT grants consumer credit licences to those it considers fit to hold one, on the basis of criteria set out in the Consumer Credit Act 1974.

The Consumer Credit Act 2006 amended and updated the 1974 Act and provided for the establishment of an independent tribunal - the Consumer Credit Appeals Tribunal.

The Consumer Credit Appeals Tribunal hears appeals arising from licensing decisions of the OFT including decisions to suspend or revoke a consumer credit licence. The Tribunal hears appeals from licensing decisions made by the OFT on or after 6 April 2008. Appeals in respect of licensing decisions made by the OFT prior to 6 April 2008 are to the Secretary of State.

The Tribunal also hears appeals from decisions of the OFT under the Money Laundering Regulations 2007.