Consumer Credit Act 1974: Primary legislation governing consumer credit agreements in the UK, including requirements for credit documentation and consumer protections
Financial Services and Markets Act 2000: Framework legislation for financial services regulation in the UK, establishing regulatory structures and requirements
Consumer Rights Act 2015: Legislation covering consumer rights and unfair terms in consumer contracts, including credit agreements
Data Protection Act 2018: UK implementation of GDPR, governing how personal data must be handled in credit applications and agreements
FCA Handbook - CONC: Consumer Credit sourcebook providing detailed regulations for consumer credit activities
FCA Handbook - MCOB: Mortgages and Home Finance sourcebook governing mortgage-related credit activities
FCA Handbook - PRIN: Principles for Businesses setting out fundamental obligations for regulated firms
FCA Handbook - BCOBS: Banking Conduct of Business Sourcebook detailing requirements for banking activities
Money Laundering Regulations 2017: Regulations requiring credit providers to conduct customer due diligence and prevent financial crime
Unfair Contract Terms Act 1977: Legislation controlling unfair terms in contracts, including credit agreements
Financial Services (Banking Reform) Act 2013: Legislation implementing structural reforms to the banking sector and additional consumer protections
Payment Services Regulations 2017: Regulations governing payment services and payment service providers
Banking Code of Practice: Industry standards for good banking practice and customer treatment
Lending Code: Voluntary code of practice for financial institutions setting standards for lending
Small Business Enterprise and Employment Act 2015: Legislation affecting business lending and small business credit relationships
Late Payment of Commercial Debts (Interest) Act 1998: Legislation governing interest on late payments in commercial transactions
