Consumer Credit Act 1974: Primary legislation governing consumer credit and lending in the UK, including regulations on credit agreements, licensing, and consumer protection
Financial Services and Markets Act 2000: Establishes the regulatory framework for financial services in the UK, including mortgage lending and the powers of the FCA
Consumer Rights Act 2015: Consolidates consumer protection law, including provisions about unfair terms in consumer contracts and consumer notices
Mortgage Credit Directive Order 2015: Implements EU rules on mortgage lending, covering areas such as advertising, pre-contractual information, and conduct of business
Housing Act 2004: Legislation covering various aspects of housing law, including provisions affecting mortgage lenders and property transactions
MCOB Rules: FCA's Mortgage Conduct of Business rules governing how mortgage lenders must operate and treat customers
CONC Sourcebook: FCA's Consumer Credit sourcebook containing detailed rules and guidance for consumer credit activities
FCA Handbook Requirements: Comprehensive set of rules and guidance for mortgage lenders, including responsible lending and risk assessment
PRA Requirements: Prudential Regulation Authority's requirements for mortgage lenders regarding capital adequacy and risk management
UK GDPR and Data Protection Act 2018: Legal framework for data protection and privacy, governing how personal information must be handled in lending processes
APR Regulations: Rules governing the calculation and disclosure of Annual Percentage Rates in mortgage documentation
Right of Withdrawal Provisions: Legal requirements regarding the borrower's right to withdraw from the mortgage agreement within specified timeframes
Early Repayment Terms: Regulations governing how early repayment charges must be structured and disclosed in mortgage agreements
Default Procedures: Legal requirements for handling mortgage defaults, including notice periods and fair treatment of customers in arrears
TCF Principles: FCA's Treating Customers Fairly principles that must be embedded in all aspects of mortgage lending operations
