Financial Services and Markets Act 2000: Primary legislation governing financial services regulation in the UK, establishing regulatory framework and consumer protection measures
Consumer Rights Act 2015: Legislation protecting consumer rights, including unfair terms in consumer contracts and transparency requirements
Data Protection Act 2018: UK implementation of GDPR, governing how personal data must be handled, processed, and protected
Equality Act 2010: Legislation ensuring non-discrimination in provision of services, including banking services
Payment Services Regulations 2017: Regulations governing payment services, including customer rights, transaction processing, and security requirements
Electronic Money Regulations 2011: Regulations covering electronic money institutions and electronic money issuance
Consumer Credit Act 1974: Legislation governing consumer credit agreements, relevant if overdraft facilities are included in the account
FCA Handbook - BCOBS: Banking Conduct of Business Sourcebook - regulatory requirements for retail banking services
FCA Handbook - CONC: Consumer Credit Sourcebook - regulatory requirements for consumer credit activities
FCA Handbook - SYSC: Systems and Controls requirements for financial institutions
PRA Rulebook: Prudential regulation requirements for deposit-taking institutions
Banking Code of Practice: Industry standards and best practices for banking services
Money Laundering Regulations 2017: Requirements for anti-money laundering and customer due diligence procedures
Financial Services Compensation Scheme: Deposit protection scheme requirements and coverage limits
Distance Marketing Regulations: Requirements for accounts opened remotely or through digital channels
Mental Capacity Act 2005: Requirements for dealing with vulnerable customers and those lacking mental capacity
