Financial Services and Markets Act 2000: Primary legislation governing financial services regulation in the UK, establishing regulatory framework and requirements for financial institutions and lenders
Consumer Credit Act 1974: Regulates consumer credit agreements and provides consumer protections in credit transactions
Consumer Rights Act 2015: Consolidates consumer protection law, including unfair terms in consumer contracts
Unfair Contract Terms Act 1977: Controls unfair terms in contracts, particularly exclusion and limitation clauses
FCA Handbook: Detailed regulatory requirements and guidance from the Financial Conduct Authority for financial institutions
PRA Requirements: Prudential regulations ensuring financial stability and proper risk management of lending institutions
Banking Act 2009: Legislation governing bank operations and regulatory framework for banking activities
UK GDPR: Data protection regulation governing how personal information must be handled and processed
Data Protection Act 2018: UK's implementation of data protection standards, complementing UK GDPR
Money Laundering Regulations 2017: Anti-money laundering requirements for financial institutions and lending transactions
Proceeds of Crime Act 2002: Legislation dealing with money laundering and proceeds of criminal conduct
Law of Property Act 1925: Fundamental legislation governing property law and secured lending in England and Wales
Land Registration Act 2002: Governs the registration of land titles and charges, relevant for secured lending
Common Law Contract Principles: Fundamental principles of contract formation, including offer, acceptance, consideration, and intention to create legal relations
Statute of Frauds 1677: Historical legislation requiring certain contracts to be in writing, still relevant for specific types of agreements
International Sanctions Regulations: Regulations governing international financial transactions and restrictions on certain parties or jurisdictions
Cross-border Banking Regulations: Rules governing international banking transactions and cross-jurisdictional lending activities
