Consumer Credit Act 1974: Primary legislation governing consumer credit agreements. Essential if the borrower is a consumer rather than a business entity.
Financial Services and Markets Act 2000: Key legislation regulating financial services in the UK, establishing the regulatory framework for financial activities.
Consumer Rights Act 2015: Legislation protecting consumer rights and governing unfair terms in consumer contracts.
Unfair Contract Terms Act 1977: Regulates unfair terms in contracts, particularly exclusion and limitation clauses.
Bank of England Act 1998: Establishes the framework for banking regulation and monetary policy in the UK.
Law of Property Act 1925: Crucial legislation for secured lending, governing how security interests in property are created and enforced.
Companies Act 2006: Primary legislation governing corporate borrowers, including corporate capacity and authority to borrow.
FCA Handbook: Regulatory rules and guidance from the Financial Conduct Authority, particularly CONC for consumer credit.
PRA Rulebook: Prudential regulation rules for banks and financial institutions.
UK Money Laundering Regulations 2017: Anti-money laundering requirements affecting financial transactions and customer due diligence.
Financial Services (Banking Reform) Act 2013: Legislation implementing structural reforms to the UK banking sector.
UK GDPR: Data protection legislation governing the processing of personal data, as retained in UK law post-Brexit.
Financial Collateral Arrangements (No.2) Regulations 2003: Regulations governing financial collateral arrangements and security interests.
Bills of Exchange Act 1882: Historic legislation still relevant to payment mechanisms and negotiable instruments.
Common Law Principles: Case law and judicial precedents affecting contract formation, interpretation, and enforcement.
Equitable Principles: Principles of fairness and equity that supplement common law rules in contract interpretation and enforcement.
