Financial Services and Markets Act 2000: Primary legislation governing financial services regulation in the UK, establishing the regulatory framework and FCA's powers
Consumer Credit Act 1974: Regulates consumer credit agreements and related activities, crucial if the loan servicing involves consumer loans
Data Protection Act 2018 and UK GDPR: Governs the processing and handling of personal data, essential for managing borrower information
Money Laundering Regulations 2017: Sets requirements for anti-money laundering controls and due diligence procedures
Financial Services Act 2012: Amended FSMA and established the current regulatory framework including the FCA and PRA
FCA Handbook - CONC: Consumer Credit Sourcebook - Contains detailed rules for consumer credit firms and activities
FCA Handbook - SYSC: Senior Management Arrangements, Systems and Controls - Sets requirements for firm governance and controls
FCA Handbook - PRIN: Principles for Businesses - Contains the fundamental obligations of all regulated firms
Unfair Contract Terms Act 1977: Controls the use of unfair terms in contracts, particularly exclusion and limitation clauses
Unfair Terms in Consumer Contracts Regulations 1999: Protects consumers against unfair standard terms in contracts with sellers or suppliers
Financial Services (Banking Reform) Act 2013: Implements structural and cultural changes in the banking sector, affecting financial services
Enterprise Act 2002: Relevant for business loans and competition law considerations in financial services
Payment Services Regulations 2017: Regulates payment services and payment service providers in the UK
Electronic Communications Act 2000: Provides legal framework for electronic signatures and communications in contracts
Equality Act 2010: Ensures non-discrimination in service provision and employment practices
Modern Slavery Act 2015: Requires certain businesses to ensure their operations and supply chains are free from slavery and human trafficking
