Consumer Credit Act 1974: Primary legislation governing consumer credit agreements in England and Wales. Must be considered if the loan involves a consumer borrower.
Financial Services and Markets Act 2000: Key legislation regulating financial services and markets in the UK, establishing regulatory framework for financial activities.
Law of Property Act 1925: Fundamental legislation for property law in England and Wales, relevant if the loan is secured against property.
Unfair Contract Terms Act 1977: Legislation controlling unfair terms in contracts, particularly relevant for standard form contracts and exclusion clauses.
Consumer Rights Act 2015: Modern legislation protecting consumer rights, must be considered if the loan agreement involves consumers.
FCA Regulations: Financial Conduct Authority regulations and guidelines governing financial services and consumer protection.
CONC Rules: Consumer Credit sourcebook rules providing detailed regulations for consumer credit activities.
Common Law Contract Principles: Fundamental principles of contract law from case law, including offer, acceptance, consideration, and intention to create legal relations.
Statute of Frauds 1677: Historic legislation requiring certain contracts to be evidenced in writing, still relevant for certain aspects of contract law.
Money Laundering Regulations 2017: Regulations requiring proper due diligence and controls to prevent money laundering in financial transactions.
Data Protection Act 2018: UK's implementation of data protection requirements, including UK GDPR, governing handling of personal information.
Variation of Contracts Principles: Legal principles governing how existing contracts can be validly amended or varied.
Execution Requirements: Legal requirements for proper execution and signing of contract amendments to ensure validity.
Registration Requirements: Requirements for registering amendments to secured loans with relevant authorities or registries.
