The document outlines regulatory changes from the Financial Conduct Authority that affect credit agreements and loan processes. In July 2014, lenders must limit unsuccessful payment attempts to two and prohibit part payments. In October 2014, lenders must limit rollovers to two and provide information about free debt advice. Lenders must also undertake creditworthiness assessments, periodically report data, and comply with new rules for communications and advertisements by April and July 2014.