Consumer Credit Act 1974: Primary legislation governing consumer credit agreements and consumer lending in England and Wales
Financial Services and Markets Act 2000: Core legislation regulating financial services and markets in the UK, establishing regulatory framework and requirements
Law of Property Act 1925: Legislation governing property law, relevant when the loan is secured against property
Contracts (Rights of Third Parties) Act 1999: Legislation governing how third parties may enforce terms of a contract
Unfair Contract Terms Act 1977: Legislation restricting how businesses can exclude or limit their liability in contracts
Consumer Rights Act 2015: Legislation protecting consumer rights and governing fairness in consumer contracts
FCA Regulations and Handbook: Regulatory framework and guidelines set by the Financial Conduct Authority for financial services
Consumer Credit Sourcebook (CONC): FCA handbook containing detailed rules and guidance for consumer credit activities
Banking Conduct of Business Sourcebook (BCOBS): FCA handbook containing rules and guidance for banking and lending activities
Money Laundering Regulations 2017: Regulations requiring checks and procedures to prevent money laundering in financial transactions
Data Protection Act 2018 and UK GDPR: Legislation governing how personal data must be handled and protected in financial agreements
Financial Collateral Arrangements (No.2) Regulations 2003: Regulations governing security arrangements in financial transactions
Common Law Contract Principles: Established case law principles governing contract formation, interpretation, and enforcement
Equitable Principles: Legal principles developed by courts of equity relating to fairness in loans and security arrangements
