Financial Services and Markets Act 2000: Primary legislation that regulates financial services in the UK, establishing regulatory framework and consumer protection measures
Consumer Rights Act 2015: Key legislation providing consumers with statutory rights and protections in their dealings with businesses, including financial institutions
Consumer Credit Act 1974: Legislation governing credit relationships between consumers and lenders, including banks
Data Protection Act 2018 and UK GDPR: Laws governing how personal data must be handled, processed, and protected by organizations including banks
Limitation Act 1980: Statute setting time limits for bringing legal claims, important for determining deadlines for banking disputes
FCA Handbook: Comprehensive guide containing rules and guidance from the Financial Conduct Authority that banks must follow
PRA Rulebook: Set of rules from the Prudential Regulation Authority governing banks' operational and financial stability requirements
Banking Conduct of Business Sourcebook: Specific FCA rules governing how banks should conduct business with their customers
FCA Dispute Resolution Rules: Specific regulations (DISP) setting out how banks should handle customer complaints and disputes
The Banking Code: Voluntary code of practice that sets standards of good banking practice
The Lending Code: Industry standard for lending practices, setting out minimum standards for banks when dealing with lending products
Financial Ombudsman Service Guidelines: Guidelines and approach used by the FOS in resolving disputes between consumers and financial institutions
Contract Law Principles: Common law principles governing formation and enforcement of contracts under English law
Banking Duty of Care: Common law principles establishing banks' obligations and duty of care to customers
Alternative Dispute Resolution Regulations 2015: Regulations governing alternative methods of resolving disputes outside of court proceedings
