CM-7.5.8
The total charge for credit payable by a consumer includes the following items:
(a) Effective rate of profit on the credit;
(b) Documentation or administration fees;
(c) In the case of ijara or deferred purchase contracts, any fees for purchasing the asset (e.g. an option to purchase fee payable at the end of the contract); and
(d) Any fees or charges payable under any linked or mandatory contract entered into as a condition for the granting of the credit facility, such as payment protection insurance.