Consumer Credit Act 1974: Primary legislation regulating credit agreements, including disclosure requirements, cooling-off periods, and unfair relationship provisions. Key for consumer protection in credit agreements.
Financial Services and Markets Act 2000: Establishes the overall regulatory framework for financial services, including authorization requirements and financial promotion rules for credit providers.
Consumer Rights Act 2015: Governs unfair terms in consumer contracts, transparency requirements, and general consumer protection measures in financial agreements.
FCA Regulations and Handbook: Regulatory guidelines including MCOB (Mortgages and Home Finance: Conduct of Business sourcebook) and CONC (Consumer Credit sourcebook) for detailed conduct requirements.
Mortgage Credit Directive Order 2015: UK implementation of EU Mortgage Credit Directive, covering standardized information requirements and creditworthiness assessment procedures.
Data Protection Act 2018: Legislation governing personal data handling, privacy notices, and data security requirements in financial services, including UK GDPR compliance.
Financial Services (Distance Marketing) Regulations 2004: Regulations specifically applying to financial services agreements made at a distance, including specific disclosure requirements.
Money Laundering Regulations 2017: Requirements for customer due diligence, record keeping, and anti-money laundering procedures in financial services.
