Consumer Credit Act 1974: Primary legislation governing consumer credit and debt collection in the UK, establishing the framework for consumer rights and creditor obligations
Financial Services and Markets Act 2000: Establishes the regulatory framework for financial services in the UK, including debt collection activities and FCA oversight
Data Protection Act 2018: UK implementation of GDPR, governing how personal data must be handled in debt collection processes
Limitation Act 1980: Sets statutory time limits for debt recovery actions, typically 6 years for most debts in England and Wales
FCA Handbook: Comprehensive regulatory guidelines issued by the Financial Conduct Authority, including specific rules for debt collection practices
CONC Rules: Consumer Credit Sourcebook - Detailed regulations governing consumer credit and debt collection practices under FCA supervision
Pre-Action Protocol for Debt Claims: Court procedure rules specifying steps creditors must take before commencing legal proceedings for debt recovery
Consumer Protection from Unfair Trading Regulations 2008: Prohibits unfair commercial practices in debt collection, protecting consumers from aggressive or misleading tactics
Credit Services Association Code of Practice: Industry standards for debt collection agencies, establishing best practices and ethical guidelines
Taking Control of Goods Regulations 2013: Regulations governing enforcement agent (bailiff) actions in debt collection, including rules for seizing goods
