Exiting The European Union Citation and commencement 1 1 These Regulations may be cited as the Consumer Credit (Amendment) (EU Exit) Regulations 2018. 2 These Regulations come into force on exit day. The Consumer Credit Act 1974 2 1 The Consumer Credit Act 1974 is amended as follows. 2 In section 98A (termination etc. of open-end consumer credit agreements) , in subsection (5)(a), for “an EU obligation” substitute “ a retained EU obligation ” . 3 In section 157 (duty to disclose name etc. of agency), in subsection (2A)(b) , for “any EU obligation” substitute “ a retained EU obligation ” . The Consumer Credit (Disclosure of Information) Regulations 2010 3 1 The Consumer Credit (Disclosure of Information) Regulations 2010 are amended as follows. 2 In regulation 11(1)(a) omit “European Consumer Credit Information”. 3 In Schedule 1— a omit “(Standard European Consumer Credit Information)” after the Schedule heading; b in table 5, in section (a) of the table, in the first column, in the entry commencing “The creditor's representative”, for “your Member State of residence” substitute “ the United Kingdom ” . 4 In Schedule 3— a for the heading substitute “ Pre-contract Consumer Credit Information (Overdrafts) ” ; b in table 5, in section (a) of the table, in the first column, in the entry commencing “The creditor's representative”, for “[the UK] [your Member State of residence]” substitute “ the UK ” . The Consumer Credit (Green Deal) Regulations 2012 4 In regulation 2 of the Consumer Credit (Green Deal) Regulations 2012 , in the definition of “replacement interest”, omit “, further to the third paragraph of Article 16(4)(b) of Directive 2008/48/EC of the European Parliament and of the Council on credit agreements for consumers,”. The Financial Services Act 2012 (Consumer Credit) Order 2013 5 In Article 3 of the Financial Services Act 2012 (Consumer Credit) Order 2013 , omit paragraph (6). Transitional provisions 6 1 For a period of five months beginning on IP completion day the Consumer Credit (Disclosure of Information) Regulations 2010 (“ the 2010 Regulations ”), as amended by regulation 3 of these Regulations, are subject to the modifications specified in this regulation. 2 Information is, for the purposes of regulation 8(1), to be treated as being disclosed by means of the form contained in Schedule 1 where the information is disclosed in the form specified in Schedule 1 to the 2010 Regulations with the modifications specified in paragraph (4). 3 The right conferred by regulation 9(2) is to be construed accordingly. 4 The modifications referred to in paragraph (2) are that— a the form has at the beginning as a heading “(Standard European Consumer Credit Information)”; and b in table 5, in section (a), in the first column, in the entry commencing “The creditor's representative” for “the United Kingdom” substitute “ your Member State of residence ” . 5 Information is, for the purposes of regulation 11(1)(a), to be treated as being disclosed by means of the form set out in Schedule 3 where disclosure is made by means of the form set out in Schedule 3 to the 2010 Regulations with the following modification. 6 This modification is that in table 5, in section (a), in the first column, in the entry commencing “The creditor's representative” for “the UK” substitute “ [the UK] [your Member State of residence] ” . Rebecca Harris Paul Maynard Two of the Lords Commissioners of Her Majesty's Treasury