The ACA does not apply to a material agreement between the bank and a consumer who is a legal person whose annual assets or turnover meet or exceed a threshold of 1m at the time of the agreement. By using the contracts.tech contract conclusion tool, you will be guided by the relevant questions relating to the applicability of the NCA, and your contract will change and adapt based on the information provided. Try! As regards the disclosure of information relating to credit agreements, the obligation is more onerous for small and medium-sized credit agreements, since credit providers must submit a pre-agreement and an offer indicating the required capital, the interest rate, the additional costs and the minimum rate. . . .