Skip to main content

Uniform Consumer Credit Code


The Uniform Consumer Credit Code (UCCC) is a model statute that provides standards for credit transactions entered into by individuals who purchase, use, maintain, and dispose of products and services. The UCCC was originally approved by the National Conference of Commissioners on Uniform State Laws in 1968. It was revised in 1974 following criticism from consumer groups and has been adopted in nine states: Colorado, Idaho, Indiana, Iowa, Kansas, Maine, Oklahoma, Utah and Wyoming. South Carolina and Wisconsin have enacted consumer protection codes that are substantially similar to the UCCC, and many states have included particular provisions from it in their consumer credit laws.

The UCCC is designed to provide protection to consumers who buy goods and services on credit. It attempts to simplify, clarify, and update legislation governing consumer credit and usury, which is the illegal charging of high interest rates. The UCCC also sets ceilings on the rates consumers can be charged for credit.

Other provisions protect consumers against unfair practices by certain consumer credit sup-pliers by limiting the ability of creditors to use state court systems to execute on a consumer debtor's assets or to garnish a consumer debtor's wages. In addition, confession of judgment clauses are barred from consumer credit contracts. Such clauses require a person who borrows money or buys on credit to agree in advance to allow the attorney for the lender to get a court judgment against the borrower in the event of default without even telling the borrower.

The UCCC also seeks to comply with the disclosure regulations in consumer credit transactions in accordance with the federal consumer credit protection act of 1968 (16 U.S.C.A. § 1601 et seq.), which mandates that consumers purchasing on credit be given complete information on the interest rate, its calculation, the total amount of interest over the life of the contract, payment due dates, late penalties, and collection costs.

The UCCC was also proposed as a means of making the law of consumer credit, including administrative rules, more uniform throughout the fifty states. Because it has only been adopted in whole in nine states, the UCCC has not completely met this objective. Nevertheless, the many analogous provisions in state and federal consumer credit laws suggest a common purpose.

further readings

Letsou, Peter V. 1995. "The Political Economy of Consumer Credit Regulation." Emory Law Journal 44 (spring).

Udis, Laura E. 2000. "The 'New and Improved' Colorado Uniform Consumer Credit Code." Colorado Lawyer 29 (December).

Cite this article
Pick a style below, and copy the text for your bibliography.

  • MLA
  • Chicago
  • APA

"Uniform Consumer Credit Code." West's Encyclopedia of American Law. . 18 Jul. 2019 <>.

"Uniform Consumer Credit Code." West's Encyclopedia of American Law. . (July 18, 2019).

"Uniform Consumer Credit Code." West's Encyclopedia of American Law. . Retrieved July 18, 2019 from

Learn more about citation styles

Citation styles gives you the ability to cite reference entries and articles according to common styles from the Modern Language Association (MLA), The Chicago Manual of Style, and the American Psychological Association (APA).

Within the “Cite this article” tool, pick a style to see how all available information looks when formatted according to that style. Then, copy and paste the text into your bibliography or works cited list.

Because each style has its own formatting nuances that evolve over time and not all information is available for every reference entry or article, cannot guarantee each citation it generates. Therefore, it’s best to use citations as a starting point before checking the style against your school or publication’s requirements and the most-recent information available at these sites:

Modern Language Association

The Chicago Manual of Style

American Psychological Association

  • Most online reference entries and articles do not have page numbers. Therefore, that information is unavailable for most content. However, the date of retrieval is often important. Refer to each style’s convention regarding the best way to format page numbers and retrieval dates.
  • In addition to the MLA, Chicago, and APA styles, your school, university, publication, or institution may have its own requirements for citations. Therefore, be sure to refer to those guidelines when editing your bibliography or works cited list.