Consumer Credit Act 1974: Primary legislation governing consumer credit agreements in England and Wales, particularly relevant if the borrower is an individual
Financial Services and Markets Act 2000: Key legislation regulating financial services and markets in the UK, including lending activities
Unfair Contract Terms Act 1977: Legislation controlling unfair terms in contracts, particularly exclusion clauses and limitations of liability
Consumer Rights Act 2015: Law protecting consumer rights and regulating business-to-consumer contracts, including financial services
Contracts (Rights of Third Parties) Act 1999: Legislation governing how third parties may enforce terms of a contract
Financial Conduct Authority Regulations: Regulatory framework and guidelines set by the FCA for financial services and lending activities
Consumer Credit (Disclosure of Information) Regulations 2010: Regulations specifying what information must be disclosed to consumers in credit agreements
Housing Act 2004: Legislation governing housing standards and property improvements, relevant for rehabilitation loans
Building Regulations 2010: Regulations setting standards for building work and property modifications
Money Laundering Regulations 2017: Regulations requiring checks and procedures to prevent money laundering in financial transactions
UK General Data Protection Regulation: Law governing how personal data must be handled and protected in business operations
Equality Act 2010: Legislation ensuring non-discrimination in the provision of services, including financial services
Late Payment of Commercial Debts (Interest) Act 1998: Law governing interest charges on late payments in commercial transactions
Consumer Credit (Early Settlement) Regulations 2004: Regulations governing early repayment rights and calculations in consumer credit agreements
Common Law Contract Principles: Established legal principles regarding contract formation, enforcement, and remedies in English law
