Financial Services and Markets Act 2000: Primary legislation that regulates financial services and markets in the UK. Particularly relevant if the loan involves regulated activities.
Consumer Credit Act 1974: Key legislation governing consumer lending and providing consumer protection provisions. Must be considered if the pledge agreement involves consumer lending.
Law of Property Act 1925: Fundamental legislation dealing with the creation and transfer of property interests, particularly relevant for establishing security interests in a pledge agreement.
Bills of Sale Acts 1878 and 1882: Historical but still relevant legislation governing registration requirements for pledges involving personal chattels.
Financial Collateral Arrangements (No.2) Regulations 2003: Regulations specifically dealing with financial collateral arrangements and enforcement rights in financial contexts.
Companies Act 2006: Primary legislation governing company law, particularly relevant for registration of charges if either party is a company.
Common Law Contract Principles: Fundamental legal principles covering contract formation, consideration, capacity, and intention to create legal relations.
Equitable Principles: Legal principles governing security interests, including priority rules and enforcement rights in equity.
FCA Regulations: Regulatory requirements set by the Financial Conduct Authority that may apply to loan and pledge arrangements.
Anti-Money Laundering Regulations: Regulatory requirements for preventing money laundering that must be considered in financial arrangements.
GDPR/Data Protection Act 2018: Data protection legislation governing the handling of personal data in contractual relationships.
