DBIS is consulting on implementing the Consumer Rights Directive. Financial services are excluded from the Directive. However, some credit agreements may count as ancillary contracts that, under present Regulations and the Consumer Rights Directive, are automatically cancelled on cancellation of the main contract where the contract is made at a distance or off-premises. DBIS will consult separately on the Directive’s provisions that ban traders from charging consumers who use payment cards more for using the card than is the cost to the trader of allowing card use. DBIS asks for responses by 1 November. (Source:Consultation on the Implementation of CRD 2011/83/EU)