Financial Services and Markets Act 2000: Primary legislation governing financial services regulation in the UK, establishing the regulatory framework for mortgage lending and financial services
Consumer Credit Act 1974: Regulates credit agreements and provides consumer protection in credit transactions, including certain aspects of mortgage lending
Housing Act 2004: Legislation covering various aspects of housing law, including standards and regulations affecting mortgaged properties
Law of Property Act 1925: Fundamental legislation governing property law in England and Wales, including legal framework for mortgages and charges over property
Consumer Rights Act 2015: Modern legislation consolidating consumer rights and protections, affecting how mortgage terms must be presented and enforced
MCOB Rules: FCA's Mortgage Conduct of Business Rules specifying detailed requirements for mortgage lenders in their dealings with customers
Financial Services RAO 2001: Regulated Activities Order defining which mortgage activities require FCA authorization and regulation
ESIS Requirements: European Standardised Information Sheet requirements for presenting mortgage information in a standardized format
Unfair Terms Regulations 1999: Protects consumers against unfair standard terms in contracts, including mortgage agreements
Consumer Protection Trading Regulations 2008: Prohibits unfair commercial practices in consumer transactions, including mortgage sales and marketing
Data Protection Act 2018: UK implementation of GDPR, governing how personal data must be handled in mortgage applications and processing
Money Laundering Regulations 2017: Requirements for identity verification and anti-money laundering checks in mortgage transactions
Mortgage Credit Directive Order 2015: Implementation of EU rules on mortgage credit, establishing standards for mortgage lending and consumer protection
Distance Marketing Regulations 2004: Regulates how financial services, including mortgages, can be marketed and sold at a distance
