Law of Property Act 1925: Primary legislation governing mortgages and charges over land, including requirements for legal mortgages and power of sale provisions
Land Registration Act 2002: Covers requirements for registration of mortgages, priority rules, and notice requirements for land registration
Consumer Credit Act 1974: Applies when borrower is a consumer, covering regulatory requirements for consumer credit, information requirements, and unfair relationship provisions
Financial Services and Markets Act 2000: Establishes regulatory framework for mortgage lending and financial promotion rules
MCOB (Mortgages and Home Finance: Conduct of Business Sourcebook): Regulatory handbook for mortgage conduct, including disclosure requirements and responsible lending rules for regulated mortgage contracts
Financial Services and Markets Act 2000 (Regulated Activities) Order 2001: Defines regulated mortgage activities and their scope
Consumer Protection from Unfair Trading Regulations 2008: Protects consumers from unfair commercial practices in mortgage transactions
Consumer Rights Act 2015: Addresses unfair terms provisions and transparency requirements in consumer contracts including mortgages
Money Laundering Regulations 2017: Sets out anti-money laundering requirements applicable to mortgage transactions
FCA Guidelines: Regulatory guidelines and requirements issued by the Financial Conduct Authority for mortgage lending
Common Law Principles: Established case law and principles regarding mortgages and securities in England and Wales
Stamp Duty Land Tax Regulations: Tax regulations affecting mortgage transactions and property transfers
