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 protections in lending arrangements, including aspects of mortgage lending
Consumer Rights Act 2015: Sets out key consumer rights and protections, including rules about unfair terms in consumer contracts and transparency requirements
Data Protection Act 2018: UK implementation of GDPR, governing how personal data must be handled, stored, and processed in mortgage applications
Equality Act 2010: Ensures non-discrimination in financial services, including mortgage lending, across protected characteristics
FCA Mortgage Conduct of Business Rules: Detailed regulatory requirements for mortgage lenders, including conduct standards, disclosure requirements, and lending practices
The Mortgage Credit Directive Order 2015: Implements EU mortgage credit directive, standardizing mortgage information and ensuring responsible lending practices
Money Laundering Regulations 2017: Requirements for customer due diligence, risk assessment, and anti-money laundering procedures in mortgage lending
ESIS Requirements: European Standardised Information Sheet requirements for providing standardized pre-contractual information to mortgage applicants
APRC Calculation Rules: Standardized method for calculating the Annual Percentage Rate of Charge for mortgage products
Financial Promotions Rules: Regulations governing how mortgage products can be marketed and advertised to consumers
Unfair Contract Terms Legislation: Rules preventing unfair terms in consumer contracts, including mortgage agreements
