Financial Services and Markets Act 2000: Primary legislation governing financial services regulation in the UK, including mortgage lending and consumer protection in financial services
Consumer Credit Act 1974: Regulates credit agreements and provides consumer protection in credit transactions, including certain aspects of mortgage agreements
Law of Property Act 1925: Fundamental legislation governing property law in England and Wales, including mortgage law and property rights
Mortgage Credit Directive Order 2015: Implements EU rules on mortgage credit, setting standards for mortgage lending and borrower protection
FCA Mortgage Conduct of Business Rules (MCOB): Regulatory framework specifying how mortgage lenders must treat customers and handle mortgage-related processes
FCA's Treating Customers Fairly (TCF) principles: Core principles ensuring fair treatment of customers by financial services firms, including mortgage lenders
Mortgages and Home Finance: Conduct of Business sourcebook: Detailed rules and guidance for mortgage lenders on business conduct and customer treatment
Consumer Rights Act 2015: Consolidates consumer protection law, including unfair terms in consumer contracts and transparency requirements
Financial Services (Distance Marketing) Regulations 2004: Regulates the remote marketing and selling of financial services, including mortgages
Unfair Terms in Consumer Contracts Regulations 1999: Protects consumers against unfair standard terms in contracts, including mortgage agreements
Pre-Action Protocol for Possession Claims: Sets out steps that mortgage lenders must take before starting possession proceedings, including requirements for communication with borrowers
UK General Data Protection Regulation (UK GDPR): Governs the processing of personal data, including requirements for handling borrower information in mortgage transactions
Data Protection Act 2018: Implements and supplements the UK GDPR, providing additional requirements for personal data protection
