These Regulations amend the Consumer Protection from Unfair Trading Regulations 2008 (S.I. 2008/1277) (“the 2008 Regulations”) which implement Directive 2005/29/EC of the European Parliament and of the Council concerning unfair business-to-consumer commercial practices (OJ No L 149, 11.6.2005, p22). They provide consumers with rights to redress in respect of misleading and aggressive commercial practices. These changes come into force on 1st October 2014 and apply to contracts entered into, or payments made, on or after that date.