Consumer Credit Act 1974: Primary legislation governing credit agreements, including requirements for documentation, disclosure, cooling-off periods, consumer rights and protections, and credit licensing requirements
Financial Services and Markets Act 2000: Establishes regulatory framework for financial services, including requirements for authorized lenders and financial conduct standards
Consumer Rights Act 2015: Covers quality of goods, fitness for purpose, consumer remedies, and regulation of unfair contract terms in consumer contracts
Sale of Goods Act 1979: Governs title and ownership, quality and fitness requirements, and transfer of risk in goods sales
Unfair Contract Terms Act 1977: Regulates limitations on exclusion clauses, reasonableness requirements, and consumer protection provisions in contracts
Financial Services (Distance Marketing) Regulations 2004: Applies to agreements made remotely, providing additional consumer protections for distance selling
Consumer Protection from Unfair Trading Regulations 2008: Prohibits unfair commercial practices, including misleading actions or omissions in trade
Data Protection Act 2018 and UK GDPR: Governs personal data handling and privacy requirements in business transactions
FCA Regulations: Financial Conduct Authority regulations and guidance for financial services and consumer credit
Industry Codes of Practice: Relevant voluntary industry standards and best practices for car financing
Common Law Contract Principles: Fundamental legal principles regarding contract formation, performance, and enforcement under English common law
Consumer Credit Directive Implementation: UK implementation of EU Consumer Credit Directive requirements, maintaining relevant standards post-Brexit
