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CFOs, controllers, AP specialists, and treasurers can review contract clauses and payment-clock calculations now, using the Bill’s proposed changes and parliamentary progress to plan while the text can still change.",{"type":180,"attrs":181,"content":183},"heading",{"level":182,"textAlign":25},2,[184],{"text":185,"type":137},"Key takeaways",{"type":187,"content":188},"bullet_list",[189,198,206,214,222],{"type":190,"content":191},"list_item",[192],{"type":131,"attrs":193,"content":195},{"textAlign":25,"key":194},"p-1",[196],{"text":197,"type":137},"The Bill would put the most pressure on invoice-date capture and dispute timing; it would also affect payment-run cadence.",{"type":190,"content":199},[200],{"type":131,"attrs":201,"content":203},{"textAlign":25,"key":202},"p-2",[204],{"text":205,"type":137},"Maximum terms would be 60 days for business purchasers and 30 days for public authorities, and longer terms in new contracts would be void.",{"type":190,"content":207},[208],{"type":131,"attrs":209,"content":211},{"textAlign":25,"key":210},"p-3",[212],{"text":213,"type":137},"Statutory interest becomes an implied term that contracts cannot exclude or reduce; they cannot delay it either.",{"type":190,"content":215},[216],{"type":131,"attrs":217,"content":219},{"textAlign":25,"key":218},"p-4",[220],{"text":221,"type":137},"The Small Business Commissioner would gain binding adjudication powers alongside powers to investigate and impose penalties.",{"type":190,"content":223},[224],{"type":131,"attrs":225,"content":227},{"textAlign":25,"key":226},"p-5",[228],{"text":229,"type":137},"The Bill is still in the House of Lords, and government expects the 60-day cap to start no earlier than 2027.",{"type":180,"attrs":231,"content":232},{"level":182,"textAlign":25},[233],{"text":234,"type":137},"What is the Commercial Payments Bill?",{"type":131,"attrs":236,"content":238},{"textAlign":25,"key":237},"p-6",[239,241,249],{"text":240,"type":137},"The Commercial Payments Bill is UK legislation, introduced in the House of Lords on 19 May 2026, that replaces optional late payment protections with mandatory maximum payment terms, interest that contracts cannot remove, and a Small Business Commissioner able to issue binding decisions and financial penalties. It is a Department for Business and Trade bill, led in the Lords by Lord Leong, and it amends the Late Payment of Commercial Debts (Interest) Act 1998. It has completed Lords Report stage; the ",{"text":242,"type":137,"marks":243},"official bill page",[244],{"type":245,"attrs":246},"link",{"href":247,"uuid":25,"anchor":25,"target":248,"linktype":116},"https://bills.parliament.uk/bills/4128","_blank",{"text":250,"type":137}," tracks each stage.",{"type":180,"attrs":252,"content":253},{"level":182,"textAlign":25},[254],{"text":255,"type":137},"The core measures: 60-day cap, 30-day terms, and non-waivable interest",{"type":131,"attrs":257,"content":259},{"textAlign":25,"key":258},"p-7",[260],{"text":261,"type":137},"Business purchasers will have at most 60 days to pay, and public authorities 30. 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Where a contract is silent, or its term is void, the Bill implies a 30-day term. Plan for funds to reach the supplier by the due date, so your payment-run cut-off decides whether an invoice is late. For example, routing each invoice into ",{"text":309,"type":137,"marks":310},"approval workflows",[311],{"type":245,"attrs":312},{"href":313,"uuid":25,"anchor":25,"target":248,"linktype":116},"https://www.spendesk.com/platform/spend-control/",{"text":315,"type":137}," the day it arrives keeps that cut-off within reach.",{"type":131,"attrs":317,"content":319},{"textAlign":25,"key":318},"p-14",[320],{"text":321,"type":137},"A 45-day cap was floated in 2025 and set aside. Government can shorten the periods by regulations but not lengthen them.",{"type":131,"attrs":323,"content":325},{"textAlign":25,"key":324},"p-15",[326,328,334],{"text":327,"type":137},"The Bill also voids any term that excludes the interest right, applies a different rate, adds conditions, or delays the start, including during a contractual dispute. The rate stays at ",{"text":329,"type":137,"marks":330},"8% plus the Bank of England base rate",[331],{"type":245,"attrs":332},{"href":333,"uuid":25,"anchor":25,"target":248,"linktype":116},"https://www.gov.uk/late-commercial-payments-interest-debt-recovery/charging-interest-commercial-debt",{"text":335,"type":137},". Parties remain free to agree other consequences of late payment. For AP, interest becomes a cost to budget for.",{"type":180,"attrs":337,"content":338},{"level":182,"textAlign":25},[339],{"text":340,"type":137},"New enforcement powers for the Small Business Commissioner",{"type":131,"attrs":342,"content":343},{"textAlign":25,"key":133},[344],{"text":345,"type":137},"The Commissioner moves from non-binding recommendations to binding decisions and powers to investigate and impose financial penalties.",{"type":187,"content":347},[348,360],{"type":190,"content":349},[350],{"type":131,"attrs":351,"content":352},{"textAlign":25,"key":194},[353,358],{"text":354,"type":137,"marks":355},"Adjudication:",[356],{"type":357},"bold",{"text":359,"type":137}," A small business (fewer than 50 staff under the current definition) refers a dispute about money owed by a larger business. The decision binds unless a court or arbitration finally decides otherwise, or the parties reach a final written agreement. Decisions can be enforced through the courts. Construction is excluded because it already has statutory adjudication.",{"type":190,"content":361},[362],{"type":131,"attrs":363,"content":364},{"textAlign":25,"key":202},[365,369],{"text":366,"type":137,"marks":367},"Investigation, directions, and penalties:",[368],{"type":357},{"text":370,"type":137}," The government response says the Commissioner may investigate a larger business’s payment practices on wider evidence than complaints, including anonymous sources. After hearing representations, the Commissioner may publish a notice naming the business. Directions can require amended standard terms or staff training. They can also require an independent review. Penalties are reserved for persistent poor practice or ignoring a direction without reasonable excuse.",{"type":131,"attrs":372,"content":373},{"textAlign":25,"key":210},[374,376,382],{"text":375,"type":137},"Under the ",{"text":377,"type":137,"marks":378},"Commissioner’s current process",[379],{"type":245,"attrs":380},{"href":381,"uuid":25,"anchor":25,"target":248,"linktype":116},"https://www.smallbusinesscommissioner.gov.uk/faqs/",{"text":383,"type":137},", a supplier raises the complaint with its customer first, then complains in writing within 12 months. For AP, dispute notices and payment records become evidence a supplier can put before an adjudicator.",{"type":180,"attrs":385,"content":386},{"level":182,"textAlign":25},[387],{"text":388,"type":137},"Reporting and board accountability for large companies",{"type":131,"attrs":390,"content":391},{"textAlign":25,"key":218},[392,394,400],{"text":393,"type":137},"Large companies already report payment performance twice a year. 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Government has said the 60-day cap will start no earlier than 2027, which makes 2027 the sensible planning year.",{"type":180,"attrs":703,"content":704},{"level":182,"textAlign":25},[705],{"text":706,"type":137},"How the Bill changes the 1998 Late Payment Act and the Prompt Payment Code",{"type":131,"attrs":708,"content":710},{"textAlign":25,"key":709},"p-36",[711],{"text":712,"type":137},"The Bill keeps the 1998 Act’s interest rate and 60-day limit and removes the two escape routes that made interest and the 60-day cap optional.",{"type":187,"content":714},[715,727],{"type":190,"content":716},[717],{"type":131,"attrs":718,"content":720},{"textAlign":25,"key":719},"p-37",[721,725],{"text":722,"type":137,"marks":723},"1998 Act:",[724],{"type":357},{"text":726,"type":137}," Purchasers could substitute a “substantial contractual remedy” for statutory interest and agree terms past 60 days unless “grossly unfair”. 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The contract must be in writing and state which exemption condition applies. Neither party can be a public authority, and size is tested on the contract date. A large-to-large contract that omits that statement falls under the cap, and any longer term becomes void.",{"type":131,"attrs":1106,"content":1108},{"textAlign":25,"key":1107},"p-77",[1109,1111,1117],{"text":1110,"type":137},"Defence, aerospace, and government-to-government export contracts have no express exemption. Complex goods may need more detailed verification, but under the Bill a longer verification period must still be fair and reasonable. 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