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 measures in credit and lending arrangements
Law of Property Act 1925: Fundamental legislation governing property law, including mortgages and charges over property in England and Wales
Consumer Rights Act 2015: Provides protection for consumers and regulates unfair terms in consumer contracts, including mortgage agreements
Mortgage Credit Directive Order 2015: Implements EU regulations on residential mortgage lending, standardizing mortgage information and lending practices
Financial Services Act 2012: Amended FSMA 2000 and established the FCA and PRA as primary financial regulators
MCOB (Mortgage Conduct of Business Rules): FCA handbook rules specifically governing mortgage lending, including requirements for advice, disclosure, and arrears handling
Data Protection Act 2018: Implements GDPR in UK law, governing how personal data must be handled in mortgage agreements and processing
Money Laundering Regulations 2017: Sets requirements for customer due diligence and anti-money laundering procedures in mortgage lending
Proceeds of Crime Act 2002: Criminal law regarding money laundering and proceeds of crime, affecting mortgage lenders' obligations
FCA Handbook: Comprehensive regulatory guidelines including specific rules for mortgage lenders and intermediaries
PRA Requirements: Prudential standards for mortgage lenders, including capital requirements and risk management
