Financial Services and Markets Act 2000: Primary legislation that regulates financial services in the UK, including mortgage lending. Establishes the regulatory framework and FCA's authority.
Consumer Credit Act 1974: Regulates credit agreements and provides consumer protection in financial transactions, including certain aspects of mortgage lending.
Law of Property Act 1925: Fundamental legislation governing property law in England and Wales, including the legal framework for mortgages and charges over property.
Land Registration Act 2002: Governs the registration of land and property rights in England and Wales, including the registration of mortgages.
FCA Mortgage Conduct of Business Rules (MCOB): Regulatory framework specifically governing mortgage lenders' conduct, including requirements for information disclosure and treating customers fairly.
Mortgages and Home Finance: Conduct of Business Sourcebook: Detailed rules and guidance for mortgage lenders covering sales practices, advice, and ongoing servicing requirements.
Consumer Protection from Unfair Trading Regulations 2008: Protects consumers from unfair commercial practices, including misleading actions or omissions in mortgage documentation.
Consumer Rights Act 2015: Consolidates consumer protection law and applies to mortgage agreements, ensuring fairness in contracts and transparency.
Unfair Contract Terms Act 1977: Controls unfair terms in contracts, particularly relevant for standard form mortgage agreements.
Financial Services (Banking Reform) Act 2013: Implements key banking reforms affecting financial institutions, including mortgage lenders.
Data Protection Act 2018: UK implementation of GDPR, governing how personal data must be handled in mortgage documentation and processing.
UK Finance Guidelines: Industry standards and best practices for mortgage lending, formerly issued by the Council of Mortgage Lenders.
Building Societies Association Guidelines: Specific guidance for building societies on mortgage lending practices and documentation requirements.
