Consumer Credit Act 1974: Primary legislation governing consumer credit agreements and protection of debtors' rights in England and Wales
Limitation Act 1980: Sets statutory time limits for bringing debt claims in England and Wales (generally 6 years for most debts)
Consumer Rights Act 2015: Consolidates key consumer rights and protection, including unfair contract terms in debt agreements
Data Protection Act 2018: UK implementation of GDPR, governing how personal data including financial information must be handled
Financial Services and Markets Act 2000: Establishes regulatory framework for financial services and consumer protection in the UK
FCA Handbook: Comprehensive guide containing rules and guidance for regulated firms, including debt collection practices
CONC Rules: Consumer Credit Sourcebook - Specific FCA rules governing consumer credit and debt collection activities
DISP Rules: Dispute Resolution: Complaints - FCA rules setting out how regulated firms should handle customer complaints
Pre-Action Protocol for Debt Claims: Court procedure rules that must be followed before starting court proceedings for debt recovery
TCF Principles: FCA's Treating Customers Fairly principles ensuring fair treatment of customers in financial services
Standards of Lending Practice: Industry-wide standards for good lending practice and treatment of customers in financial difficulty
Credit Services Association Code of Practice: Industry guidelines for debt collection agencies and debt purchasers
Protection from Harassment Act 1997: Legislation protecting individuals from harassment, including in debt collection practices
