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Consumer credit: ‘I Accept’ …signing on the virtual dotted line
The High Court has ruled that electronic signatures are valid under the Consumer Credit Act 1974 in Bassano v Toft and others  All ER (D) 36 (Mar)  EWHC 377 (QB). The judge said that there was nothing in CCA 1974 to suggest that regulated agreements should not be capable of electronic signatures and he could see no reasons of policy why a signature should not be capable of being affixed and communicated electronically to an agreement regulated by CCA 1974.
Given the prevalence of payday loans and the ubiquity of the Internet in the consumer credit environment, it is probably a relief for lenders that the court held that clicking 'I Accept' was a sufficient signature to meet the requirements of CCA 1974. Indeed
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