Consumer Credit Act 1974: Primary legislation governing consumer credit agreements in England and Wales, establishing the framework for regulated credit agreements and consumer protections
Financial Services and Markets Act 2000: Key legislation establishing the regulatory framework for financial services in the UK, including lending activities and regulatory oversight
Consumer Rights Act 2015: Legislation consolidating consumer rights and protections, including unfair terms in consumer contracts
Unfair Contract Terms Act 1977: Controls unfair terms in contracts, particularly exclusion and limitation clauses
Law of Property Act 1925: Fundamental legislation governing property law, relevant for secured lending arrangements
FCA Handbook (CONC): Regulatory sourcebook containing detailed rules and guidance for consumer credit activities
Consumer Credit Directive: EU-derived legislation (as implemented in UK law) setting standards for consumer credit agreements
Financial Services and Markets Act 2000 (RAO) 2001: Defines regulated activities requiring FCA authorization, including various lending activities
Money Laundering Regulations 2017: Requirements for due diligence and anti-money laundering procedures in financial transactions
Data Protection Act 2018: UK's implementation of data protection requirements, including UK GDPR provisions for handling personal data
Unfair Terms in Consumer Contracts Regulations 1999: Specific regulations protecting consumers against unfair terms in standard form contracts
Financial Services (Distance Marketing) Regulations 2004: Regulations governing financial services contracts made at a distance (e.g., online or telephone)
Consumer Protection from Unfair Trading Regulations 2008: Prohibits unfair commercial practices and sets standards for business-to-consumer trading
