But let`s say he or she was informed at the time, is this form of lease or not a credit agreement regulated by the NCA? Therefore, the CAS does not apply to commercial real estate loans unless the consumer is a natural person. Accordingly, it is the responsibility of credit providers to ensure that the requirements of the CBA are met or are held civilly or criminally liable. It is therefore important to know if you are a lender that must comply with the provisions of the CAS and whether the procedures and protection afforded by the NCA may apply. The Consumer Protection Act (CPA) does NOT apply to all leases (or leases). This is really important to know, because the Consumer Protection Act has a great influence on the rental agreement and significantly changes the legal situation between the landlord and the tenant. .