NEW Scuba Diving 2nd Stage Regulator Octopus  Hookah
NEW Scuba Diving 2nd Stage Regulator Octopus Hookah
$67.95
Time Remaining: 8d 9h 12m
Buy It Now for only: $67.95

Zeagle Apeks Flat Head 6 Severe First  Second Stage Regulator NEW IN BOX
Zeagle Apeks Flat Head 6 Severe First Second Stage Regulator NEW IN BOX
$255.00 (16 Bids)
Time Remaining: 2h 1m

scubapro s600 second stage regulator
scubapro s600 second stage regulator
$162.50 (3 Bids)
Time Remaining: 3h
Buy It Now for only: $240.00

NEW BALANCED DIAPHRAGM YOKE SCUBA REGULATOR FIRST STAGE
NEW BALANCED DIAPHRAGM YOKE SCUBA REGULATOR FIRST STAGE
$49.00
Time Remaining: 2d 22h 23m
Buy It Now for only: $49.00

2nd STAGE IST DIVING DIVE SCUBA REGULATOR OCEANIC EXCELLENT CONDITION NR
2nd STAGE IST DIVING DIVE SCUBA REGULATOR OCEANIC EXCELLENT CONDITION NR
$24.50 (9 Bids)
Time Remaining: 1d 10h 28m

US Divers Conshelf Octopus Second Stage Regulator with 32 Inch Hose
US Divers Conshelf Octopus Second Stage Regulator with 32 Inch Hose
$9.99 (1 Bid)
Time Remaining: 2d 9h 10m

BEUCHAT DIN 1ST STAGE REGULATOR REBUILD KIT 016501
BEUCHAT DIN 1ST STAGE REGULATOR REBUILD KIT 016501
$22.25
Time Remaining: 2d 12h 38m
Buy It Now for only: $22.25

Sherwood Dive Regulator 1st  2nd Stage w Octopus 2 Gauges Compass  Console
Sherwood Dive Regulator 1st 2nd Stage w Octopus 2 Gauges Compass Console
$86.00 (14 Bids)
Time Remaining: 12h 24m

Tusa Octopus Second Stage Regulator with 26 Inch Hose Bright Yellow
Tusa Octopus Second Stage Regulator with 26 Inch Hose Bright Yellow
$19.99 (1 Bid)
Time Remaining: 4h 49m

Explorer Scuba Diving Hookah 2nd Stage Regulator Octo
Explorer Scuba Diving Hookah 2nd Stage Regulator Octo
$79.95
Time Remaining: 9d 11h 27m
Buy It Now for only: $79.95

Scubapro S600 Second Stage Regulator
Scubapro S600 Second Stage Regulator
$112.50 (18 Bids)
Time Remaining: 1d 9h 25m

Sherwood Slim Line Octopus Second Stage Regulator w 32 Hose Bright Yellow
Sherwood Slim Line Octopus Second Stage Regulator w 32 Hose Bright Yellow
$36.00 (7 Bids)
Time Remaining: 2d 9h 9m

Scuba Diving 2nd Second Stage Regulator Adjustment Tool with Gauge 300 PSI
Scuba Diving 2nd Second Stage Regulator Adjustment Tool with Gauge 300 PSI
$74.98
Time Remaining: 5d 8h 37m
Buy It Now for only: $74.98

Oceanic DX2 First Stage Regulator With DIN Fitting
Oceanic DX2 First Stage Regulator With DIN Fitting
$30.00
Time Remaining: 5h 49m

Second Stage Adjustable Regulator
Second Stage Adjustable Regulator
$125.00
Time Remaining: 6d 13h 17m
Buy It Now for only: $125.00

Scubapro G250 HP 2nd Stage Regulator Mint Condition
Scubapro G250 HP 2nd Stage Regulator Mint Condition
$130.00
Time Remaining: 7h 17m

Vtg DACOR Diving Lung Double Diaphragm 2 Stage Regulator Nice
Vtg DACOR Diving Lung Double Diaphragm 2 Stage Regulator Nice
$78.00 (5 Bids)
Time Remaining: 13h 5m

Scuba Diving Palantic AS202 Yellow Second Stage Regulator Octopus w 36 Hose
Scuba Diving Palantic AS202 Yellow Second Stage Regulator Octopus w 36 Hose
$54.98
Time Remaining: 29d 13h 7m
Buy It Now for only: $54.98

40 SCUBA hose with 1st  2nd Stage Regulators
40 SCUBA hose with 1st 2nd Stage Regulators
$177.50 (14 Bids)
Time Remaining: 10h 12m

Scubapro MK25 1st Stage Scuba diving Regulator Only Needs plastic Seat Tested
Scubapro MK25 1st Stage Scuba diving Regulator Only Needs plastic Seat Tested
$81.00 (26 Bids)
Time Remaining: 2d 9h 37m

HP Check Gauge Divers Regulator 1st Stage Intermediate Pressure Tester NEW
HP Check Gauge Divers Regulator 1st Stage Intermediate Pressure Tester NEW
$26.79
Time Remaining: 25d 21h 50m
Buy It Now for only: $26.79

Poseidon second Stage Regulator
Poseidon second Stage Regulator
$28.55 (10 Bids)
Time Remaining: 1d 7h 17m

Atomic Aquatics B1 Scuba Regulator  Bag Brass First  Titanium Second Stage
Atomic Aquatics B1 Scuba Regulator Bag Brass First Titanium Second Stage
$213.50 (6 Bids)
Time Remaining: 1d 4h

Dacor D20 Gold 1st Stage Regulator Service Kit 46200281 NEW Scuba Repair Parts
Dacor D20 Gold 1st Stage Regulator Service Kit 46200281 NEW Scuba Repair Parts
$19.99
Time Remaining: 9d 5h 25m
Buy It Now for only: $19.99

ScubaPro MK16 S550 1st 2nd Stage Regulator Set w Oceanic Depth Gage  Compass
ScubaPro MK16 S550 1st 2nd Stage Regulator Set w Oceanic Depth Gage Compass
$137.50 (12 Bids)
Time Remaining: 1d 2h 17m

Scuba Pro ScubaPro MK20 MK 20 1st Stage Scuba Regulator
Scuba Pro ScubaPro MK20 MK 20 1st Stage Scuba Regulator
$150.00
Time Remaining: 25d 4h 27m
Buy It Now for only: $150.00

1st STAGE BEUCHAT VX10 DIVING DIVE SCUBA REGULATOR w OCTO EXCELLENT CONDITION NR
1st STAGE BEUCHAT VX10 DIVING DIVE SCUBA REGULATOR w OCTO EXCELLENT CONDITION NR
$54.00 (12 Bids)
Time Remaining: 1d 10h 28m

Dacor 460 1st stage Pacer Aero 2nd stage regulator computer PSI gauge  compass
Dacor 460 1st stage Pacer Aero 2nd stage regulator computer PSI gauge compass
$48.99 (7 Bids)
Time Remaining: 2d 7h 55m

Aqua Lung 2nd stage service kit Conshelf XIV XIV Supreme and 30 second stage
Aqua Lung 2nd stage service kit Conshelf XIV XIV Supreme and 30 second stage
$10.00
Time Remaining: 28d 22h 23m
Buy It Now for only: $10.00

Oceanic aqualung 1st stage with US DIVERS SE3 regulator
Oceanic aqualung 1st stage with US DIVERS SE3 regulator
$67.00 (12 Bids)
Time Remaining: 1d 8h 39m

Apeks ATX200 Second Stage and Apeks DS4 Yoke First Stage
Apeks ATX200 Second Stage and Apeks DS4 Yoke First Stage
$199.95 (1 Bid)
Time Remaining: 1d 10h 22m

Vintage Aqualung Regulator DA Aqua Master 2 Stage RARE Yellow Double Hose 1960s
Vintage Aqualung Regulator DA Aqua Master 2 Stage RARE Yellow Double Hose 1960s
$375.00
Time Remaining: 3d 10h 29m
Buy It Now for only: $375.00

NEW Scuba Diving Dive SeaQuest AquaLung XR2 Regulator 2nd Second stage
NEW Scuba Diving Dive SeaQuest AquaLung XR2 Regulator 2nd Second stage
$31.00 (10 Bids)
Time Remaining: 3d 10h 25m

Ocenic Omega Second Stage Regulator with new Scubapro Hose
Ocenic Omega Second Stage Regulator with new Scubapro Hose
$51.00 (2 Bids)
Time Remaining: 5h 44m

Scuba Diving Dive Regulator 360 Swivel 2d Stage Adapter
Scuba Diving Dive Regulator 360 Swivel 2d Stage Adapter
$23.94
Time Remaining: 8d 6h 14m
Buy It Now for only: $23.94

USED SCUBA PRO MK 2 REGULATOR W R 380 2ND STAGE  6000PSI SPG
USED SCUBA PRO MK 2 REGULATOR W R 380 2ND STAGE 6000PSI SPG
$99.99
Time Remaining: 1d 5h 17m
Buy It Now for only: $149.99

Dacor 1st Stage with Din connection
Dacor 1st Stage with Din connection
$20.00 (1 Bid)
Time Remaining: 1d 2h 16m

Scuba Dive 2nd Stage Regulator Octo Swivel Connector
Scuba Dive 2nd Stage Regulator Octo Swivel Connector
$29.95
Time Remaining: 15d 2h 47m
Buy It Now for only: $29.95

Vintage Healthways Scubair J Regulator Set 1st  2nd Stage LlKE NEW CONDITION
Vintage Healthways Scubair J Regulator Set 1st 2nd Stage LlKE NEW CONDITION
$17.45 (4 Bids)
Time Remaining: 1d 9h 22m

Scuba Diving Regulator First Stage Dust Cap DIN
Scuba Diving Regulator First Stage Dust Cap DIN
$4.98
Time Remaining: 12d 14h 39m
Buy It Now for only: $4.98

ScubaPro R109 Adjustable 2nd Stage Regulator
ScubaPro R109 Adjustable 2nd Stage Regulator
$0.99 (1 Bid)
Time Remaining: 3d 10h 22m

Scubapro MK20 1st Stage Regulator
Scubapro MK20 1st Stage Regulator
$100.00 (2 Bids)
Time Remaining: 7h 19m

Scubapro D400 Second Stage Regulator w Hose and 2 Protector Nice Working
Scubapro D400 Second Stage Regulator w Hose and 2 Protector Nice Working
$95.00
Time Remaining: 5d 11h 54m
Buy It Now for only: $95.00

VINTAGE US DIVERS AQUA LUNG DA AQUA MASTER 2 STAGE 2 HOSE REGULATOR NR
VINTAGE US DIVERS AQUA LUNG DA AQUA MASTER 2 STAGE 2 HOSE REGULATOR NR
$99.99 (1 Bid)
Time Remaining: 1d 22h 41m

Aqualung Titan 2 stage regulator barely used
Aqualung Titan 2 stage regulator barely used
$59.00 (1 Bid)
Time Remaining: 1d 9h 25m

Orange 2nd stage holder with clip Safe 2nd stage Octopus retainer
Orange 2nd stage holder with clip Safe 2nd stage Octopus retainer
$4.00
Time Remaining: 29d 2h 41m
Buy It Now for only: $4.00

Sherwood Brut Yoke Style First Stage
Sherwood Brut Yoke Style First Stage
$20.00
Time Remaining: 8h 1m
Buy It Now for only: $35.00

SCUBA DIVING PRE OWNED POSEIDON CYKLON 5000 300 BAR DIN YOKE FIRST STAGE
SCUBA DIVING PRE OWNED POSEIDON CYKLON 5000 300 BAR DIN YOKE FIRST STAGE
$103.49 (4 Bids)
Time Remaining: 1d 7h 33m

Poseidon Service Kit 3549 Jetstream Oceanair 2nd Stage Rebuild Kit
Poseidon Service Kit 3549 Jetstream Oceanair 2nd Stage Rebuild Kit
$20.00
Time Remaining: 23d 12h 1m
Buy It Now for only: $20.00

Scuba Regulator Aeris ION Second Stage
Scuba Regulator Aeris ION Second Stage
$50.00
Time Remaining: 2d 10h 59m

NEW Scuba Diving 2nd Stage Regulator Octopus  Hookah
NEW Scuba Diving 2nd Stage Regulator Octopus Hookah
$67.95
Time Remaining: 16d 2h 21m
Buy It Now for only: $67.95

Scuba Diving Dive SCUBAPRO G250 regulator G 250 reg Pro Adjustable 2nd stage
Scuba Diving Dive SCUBAPRO G250 regulator G 250 reg Pro Adjustable 2nd stage
$48.50 (10 Bids)
Time Remaining: 3d 11h 28m

SCUBAPRO D 400 2nd stage regulator
SCUBAPRO D 400 2nd stage regulator
$85.00 (1 Bid)
Time Remaining: 1d 1m

Scuba Regulator MARES 12 ROVER 1st  2nd Stage BRAND NEW low low price
Scuba Regulator MARES 12 ROVER 1st 2nd Stage BRAND NEW low low price
$159.99
Time Remaining: 11h 37m
Buy It Now for only: $159.99

Scuba Diving Dive Regulator Sherwood Genesis 2nd Second stage Adjustable pro
Scuba Diving Dive Regulator Sherwood Genesis 2nd Second stage Adjustable pro
$56.00 (12 Bids)
Time Remaining: 3d 10h 31m

SCUBA DIVING PRE OWNED HEALTHWAYS SCUBA STAR PRIMARY 2ND STAGE REGULATOR
SCUBA DIVING PRE OWNED HEALTHWAYS SCUBA STAR PRIMARY 2ND STAGE REGULATOR
$11.61 (4 Bids)
Time Remaining: 3d 9h 22m

APEKS 1ST STAGE PARTS KIT AP0241 AA
APEKS 1ST STAGE PARTS KIT AP0241 AA
$39.95
Time Remaining: 24d 5h 7m
Buy It Now for only: $39.95

Scubapro G200B Balanced Second Stage
Scubapro G200B Balanced Second Stage
$40.00
Time Remaining: 1d 3h 12m
Buy It Now for only: $70.00

SCUBA DIVING PRE OWNED POSEIDON CYKLON 5000 SECOND STAGE REGULATOR MINT
SCUBA DIVING PRE OWNED POSEIDON CYKLON 5000 SECOND STAGE REGULATOR MINT
$109.50 (3 Bids)
Time Remaining: 1d 7h 38m

Atomic Aquatic B2 1st  2nd Stage DIN Scuba Dive Regulator w Pressure Gauge
Atomic Aquatic B2 1st 2nd Stage DIN Scuba Dive Regulator w Pressure Gauge
$374.99
Time Remaining: 27d 9h 35m
Buy It Now for only: $374.99

Scubapro G250 2nd Stage Regulator
Scubapro G250 2nd Stage Regulator
$110.00
Time Remaining: 7h 18m

Scuba Diving Regulator ScubaPro Dive MK2 First 1st stage MK 2 pro standard reg
Scuba Diving Regulator ScubaPro Dive MK2 First 1st stage MK 2 pro standard reg
$40.00 (14 Bids)
Time Remaining: 3d 9h 24m

US Divers Aqualung High Pressure stage assembly tool
US Divers Aqualung High Pressure stage assembly tool
$20.00
Time Remaining: 22d 21h 52m
Buy It Now for only: $20.00

Suba Regulator Explorer 1st and second stages US Tech alternet
Suba Regulator Explorer 1st and second stages US Tech alternet
$15.75 (2 Bids)
Time Remaining: 1d 6h 58m

Tech second stage necklace Octopus retainer black
Tech second stage necklace Octopus retainer black
$9.00
Time Remaining: 22d 19h 39m
Buy It Now for only: $9.00

Scuba Diving Regulator ScubaPro MK10 Dive First 1st stage MK 10 pro Standard
Scuba Diving Regulator ScubaPro MK10 Dive First 1st stage MK 10 pro Standard
$61.00 (11 Bids)
Time Remaining: 3d 9h 36m

Mares Rebel Second stage
Mares Rebel Second stage
$15.00
Time Remaining: 1d 2h 19m

Adapter 1 4 NPT 3 8 Scuba Diving Octo Hose 2nd Stage AA54
Adapter 1 4 NPT 3 8 Scuba Diving Octo Hose 2nd Stage AA54
$5.94
Time Remaining: 27d 4h 53m
Buy It Now for only: $5.94

Apeks DS4 1st Stage Scuba Regulator DIN
Apeks DS4 1st Stage Scuba Regulator DIN
$144.50 (17 Bids)
Time Remaining: 1d 13h 17m

Scubapro Regulator MK20 S600 1st  2nd Stage Scubapro Pressure Gauge
Scubapro Regulator MK20 S600 1st 2nd Stage Scubapro Pressure Gauge
$325.00
Time Remaining: 8h 22m

360 Degree Swivel Scuba Diving 2nd Stage Octo Regulator
360 Degree Swivel Scuba Diving 2nd Stage Octo Regulator
$26.95
Time Remaining: 15d 2h 56m
Buy It Now for only: $26.95

Scubapro MK18 first stage yoke mount
Scubapro MK18 first stage yoke mount
$10.00
Time Remaining: 7h 23m

Oceanic Swival And A Oceanic Cdx First Stage Regulator
Oceanic Swival And A Oceanic Cdx First Stage Regulator
$80.00 (1 Bid)
Time Remaining: 2d 10h 2m

SCUBA SURPLUS DACOR PACER XLE 2ND STAGE REGULATOR PARTS
SCUBA SURPLUS DACOR PACER XLE 2ND STAGE REGULATOR PARTS
$12.99
Time Remaining: 18d 4h 34m
Buy It Now for only: $12.99

Sherwood Gemini alternate second stage inflator scuba diving New with hose
Sherwood Gemini alternate second stage inflator scuba diving New with hose
$105.00
Time Remaining: 1d 12h 31m
Buy It Now for only: $125.00

SCUBAPRO 2nd stage lp hose Scuba Pro brand new free Priority shipping in USA
SCUBAPRO 2nd stage lp hose Scuba Pro brand new free Priority shipping in USA
$19.00
Time Remaining: 27d 22h 5m
Buy It Now for only: $19.00

SCUBAPRO G250HP ADJUSTABLE 2ND STAGE REGULATOR EXCELLENT
SCUBAPRO G250HP ADJUSTABLE 2ND STAGE REGULATOR EXCELLENT
$41.00 (8 Bids)
Time Remaining: 5d 9h 24m

Scuba Diving Dive Dacor regulator pro First 1st stage Standard pro viper eagle
Scuba Diving Dive Dacor regulator pro First 1st stage Standard pro viper eagle
$30.00 (11 Bids)
Time Remaining: 3d 10h 26m

Vtg Scubapro Adjustable Adj 109 Second 2nd Stage Regulator Superb Condition
Vtg Scubapro Adjustable Adj 109 Second 2nd Stage Regulator Superb Condition
$94.50
Time Remaining: 11h 36m
Buy It Now for only: $94.50

Sherwood Second Stage Regulator
Sherwood Second Stage Regulator
$5.00
Time Remaining: 1d 2h 6m

US Divers Conshelf SE2 Regulator with DACOR Dive Computer and 2nd Stage
US Divers Conshelf SE2 Regulator with DACOR Dive Computer and 2nd Stage
$29.00 (5 Bids)
Time Remaining: 4d 9h 57m

Aeris ION Scuba Regulator 2011 With Swivel 2nd Stage  Warranty
Aeris ION Scuba Regulator 2011 With Swivel 2nd Stage Warranty
$339.00
Time Remaining: 6h 48m
Buy It Now for only: $339.00

Dacor 360 1st Stage and Pacer XLE primary Pacer Aero Alternet
Dacor 360 1st Stage and Pacer XLE primary Pacer Aero Alternet
$28.00 (3 Bids)
Time Remaining: 1d 6h 55m

ZEAGLE ENVOY REGULATOR FIRST AND SECOND STAGE SCUBA PERFECT CONDITION
ZEAGLE ENVOY REGULATOR FIRST AND SECOND STAGE SCUBA PERFECT CONDITION
$100.00 (1 Bid)
Time Remaining: 3d 5h 17m

Dacor Olympic 400 1st and 2nd stage regulator set 2
Dacor Olympic 400 1st and 2nd stage regulator set 2
$35.00
Time Remaining: 13d 10h 23m
Buy It Now for only: $35.00

Genesis Athena BC  size small   Air 2 Second Stage Regulator
Genesis Athena BC size small Air 2 Second Stage Regulator
$149.99
Time Remaining: 8h 22m

ONE US Divers Aqualung Micra HEED Second Stage Regulator
ONE US Divers Aqualung Micra HEED Second Stage Regulator
$12.50 (3 Bids)
Time Remaining: 6h 16m

Scuba Regulator Diaphram w Washer Set Part First Stage Dive A163 A171 NEW
Scuba Regulator Diaphram w Washer Set Part First Stage Dive A163 A171 NEW
$4.99
Time Remaining: 27d 5h 9m
Buy It Now for only: $4.99

Scuba Diving Dive regulator Dacor Octopus OCTO Second 2nd stage Pro reg
Scuba Diving Dive regulator Dacor Octopus OCTO Second 2nd stage Pro reg
$46.99 (9 Bids)
Time Remaining: 3d 10h 20m

Scuba Dive Second Stage Regulator Shut Off Shutoff Valve Freeflow Control Device
Scuba Dive Second Stage Regulator Shut Off Shutoff Valve Freeflow Control Device
$23.95
Time Remaining: 19d 3h 7m
Buy It Now for only: $23.95

Scubapro D400 second stage just serviced and mint guaranteed
Scubapro D400 second stage just serviced and mint guaranteed
$99.00
Time Remaining: 4d 9h 28m
Buy It Now for only: $130.00

1960s Royal Aqua Master 2 stage balanced Costeau Gagnan US Divers REGULATOR
1960s Royal Aqua Master 2 stage balanced Costeau Gagnan US Divers REGULATOR
$149.00
Time Remaining: 6d 8h 8m

AQUALUNG PARTS KIT 900010 FOR TITAN  OTHER 2ND STAGES
AQUALUNG PARTS KIT 900010 FOR TITAN OTHER 2ND STAGES
$15.00
Time Remaining: 24d 5h 7m
Buy It Now for only: $15.00

Sherwood Shadow SCUBA Regulator Second Stage Octopus
Sherwood Shadow SCUBA Regulator Second Stage Octopus
$30.00
Time Remaining: 1d 7h 53m
Buy It Now for only: $35.00

Scuba Diving Dive US Divers AquaLung Conshelf regulator 1st First stage pro se2
Scuba Diving Dive US Divers AquaLung Conshelf regulator 1st First stage pro se2
$51.00 (16 Bids)
Time Remaining: 3d 9h 30m

First Stage Regulator Piston Scubapro MK10+ MK 10 Plus
First Stage Regulator Piston Scubapro MK10+ MK 10 Plus
$39.99
Time Remaining: 5d 11h 22m
Buy It Now for only: $39.99

SCUBA DIVING PRE OWNED GENESIS OCTO 2ND STAGE OCTOPUS REGULATOR BODY EXCELLENT
SCUBA DIVING PRE OWNED GENESIS OCTO 2ND STAGE OCTOPUS REGULATOR BODY EXCELLENT
$19.99
Time Remaining: 1d 7h 40m

US diver Aqualung Micra Octo 2nd stage
US diver Aqualung Micra Octo 2nd stage
$30.00
Time Remaining: 2d 6h 43m

Yellow 2nd stage holder with clip Safe 2nd stage Octopus retainer
Yellow 2nd stage holder with clip Safe 2nd stage Octopus retainer
$4.00
Time Remaining: 29d 2h 43m
Buy It Now for only: $4.00

Explorer Pro 2nd Stage Scuba Diving Regulator NIB
Explorer Pro 2nd Stage Scuba Diving Regulator NIB
$79.95
Time Remaining: 1d 6h 22m

Stage Regulator
Stage Regulator

Credit Card Regulations? What Regulations?

Back in January I wrote a story, 'New Year, New Regulations' on the subject of anticipated legislation to tighten consumer credit regulation in the UK. What with all the excitement of a new government, the World Cup, and some real summer weather at long last, here in the UK at least the vexed issue of Credit Card Regulation seems to have taken a back seat. We are still waiting for the first move from our new coalition government on this front. I don't know what David Cameron and Nick Clegg do all day; sometimes it feels like they are more preoccupied with making cut-backs in Public Sector spending than in pushing for new credit card regulation.

However, legislative changes for Card Issuers which were drawn up by the Department of Business, Innovation and Skills last autumn in its encyclopaedic report 'A Better Deal for Consumers', did appear on the OPSI (Office of Public Sector Information) website in April - just days before the government was thrown out by the General Election on May 6th. These regulations implement the CCD (Consumer Credit Directive, adopted by the European Commission back in May 2008). The Regulations make a number of amendments to the Consumer Credit Act 1974 (CCA 1974) and associated secondary legislation. These regulations implement an EU Directive on consumer credit. They enhance existing consumer rights on the provision of information before and during the life of a credit agreement.They also introduce certain new consumer rights in relation to credit agreements, such as the right to withdraw from an agreement within 14 days and the right to repay early in part at any time.

Since the appearance of this OPSI information back in April I have been hard-pressed to find any definitive pronouncements on how the directive will be followed up by the new government; with little comment found in the business and finance pages of the main news providers or in the Blogosphere. But has this issue really gone away? I doubt it very much.

OFT (Office of Fair Trading) continues to champion consumer rights in the UK and in March published guidance on behaviour it considers may constitute irresponsible lending under the Consumer Credit Act. The OFT guidance picks up where the BIS Report left off, and addresses each stage of the lending process, from advertising credit through to the handling of arrears and default on agreements.

It expects creditors to have respect the guidance and avoid irresponsible lending practices. For example, creditors should:-

* Not mislead consumers when advertising, selling, or seeking to enforce a credit agreement

* Make a reasonable assessment of whether a borrower can afford to make their repayments

* Explain the key features of the credit agreement

* Monitor the borrower's repayment record during the course of the agreement and offer help if they appear to be experiencing difficulty

* Treat borrowers fairly and with forbearance if they experience difficulties

In the wider arena of the European Union, SEPA (Single European Payment Area initiative) and the PSD (Directive on Payment Services) continue to exert their influence, and the European Commission's published programme of work for 2010 includes

* A legislative initiative on short selling/credit default swaps

* Revision of the Market Abuse Directive

* Revision of the Capital Requirements Directive (CRD IV)

Credit regulation is still a hot topic in the USA; Barack Obama's crackdown on the banks continues to gather momentum, following his signing of the Credit Card Act of 2009. For the typical US cardholder the new law means they are no longer faced with retro-active interest rate rises on existing card balances, have more time to pay off their monthly bills more notice of changes in credit card terms and the right to opt out of significant changes of terms and conditions on their accounts. This allows consumers time to shop around for better deals with alternative credit providers. All of these changes in the USA are being gradually phased in, but the majority came into effect in February 2010.

About the Author

Charlotte Mooney is an IT professional with many years experience, currently working for
International IT Software Consultancy Proswift
, a leading provider of
credit system solutions
to banks and finance houses across the world. If this story strikes a chord with you, click on one of the links above and check out what ProSwift could do for you and your business.

h22a4 swap with more info?

what is the max HP that i can get of a h22 with 11:5:1 compression with good mods and what kind of gas will i have to run the car on. This is what i have so far. First of all it is a h22a4 usdm with JE 11:5:1 pistons, H beam rods, ACL race main/rod bearing, JGE valve train, Ported head, OBX Stage two cams, cometic head gasket, Greddy full catback exhaust, DC headers, 400cc injestors with aem fuel rail and pressure regulator together with a high pressure fuel pump, spoon chipped p13 ecu, Ported intake manifold, OBX throtle body spacer. MSD ignition, IRIDIUM plugs and magnicore wires, engine oil cooler and alluminum radiotor. Hope this will help to tell me what hp i might be looking at the wheels. Thanks

600hp NA? You must be kidding. Running exactly what you have, I bet with some good tuning you might be able to put down close to 250hp at the most. That should be a solid motor though, and you could lower the compression and boost it, and get quite a bit more. How exactly are you going to get 600hp with 400cc injectors? Hmm...

Mares 1st Stage Regulators with Dynamic Flow Control