The Consumer Credit Bill 2 – which is relatively modest in size 3 and scope – should really have the words 'amendment' or 'reform' in its title as it leaves the framework established by the Consumer Credit Act 1974 Act ('CCA') untouched and merely introduces piecemeal changes. This is partly 4 because the CCA confers wide powers to make secondary legislation in relation to issues such as advertising 5 and contents of agreements 6 and this secondary legislation has been amended over the years as the need arose. Indeed, the Bill was preceded by a batch of significant new secondary legislation made under the CCA. 7