Consumer Credit Act 1974: Primary legislation governing consumer credit in the UK, including requirements for credit agreements and consumer protections in credit transactions
Data Protection Act 2018: UK's implementation of data protection standards, governing how personal information must be handled by organizations, including credit bureaus
UK General Data Protection Regulation: Post-Brexit adaptation of EU GDPR, providing fundamental rights for individuals regarding their personal data processing and storage
Financial Services and Markets Act 2000: Establishes regulatory framework for financial services in the UK, including oversight of credit reference agencies
Credit Rating Agencies Regulation: Specific regulations governing the operation and obligations of credit rating agencies in the UK
FCA Handbook: Collection of rules and guidance from the Financial Conduct Authority, including specific provisions for credit reporting
Consumer Credit Sourcebook (CONC): Detailed FCA rules specifically relating to consumer credit activities and credit information
Subject Access Request Rights: Legal right under DPA/GDPR allowing individuals to access their personal data held by organizations
Limitation Act 1980: Sets time limits for various types of legal actions, including debt collection and enforcement
ICO Guidelines: Information Commissioner's Office guidance on handling personal data and credit information
CRAIN: Credit Reference Agencies Information Notice - standardized information about how the UK's three main credit reference agencies use and share personal data
