Banking Act (Cap. 19): Primary legislation governing banking institutions and their lending practices in Singapore, including regulatory requirements for credit facilities
Moneylenders Act (Cap. 188): Regulates moneylending businesses and sets out requirements for credit provision, including interest rate caps and licensing requirements
Consumer Protection (Fair Trading) Act: Protects consumers against unfair practices and ensures fair trading terms in credit agreements
Contracts Act (Cap. 53): Governs the formation and enforcement of contracts in Singapore, including credit agreements
Companies Act (Cap. 50): Relevant when dealing with corporate borrowers, governing corporate capacity and authority to enter into credit agreements
MAS Guidelines on Credit: Regulatory guidelines issued by the Monetary Authority of Singapore on credit risk management and lending practices
Banking (Credit Card and Charge Card) Regulations: Specific regulations governing credit card and charge card facilities, including minimum payment and credit limit requirements
Fair Trading (Cancellation of Contracts) Regulations: Regulations specifying circumstances and procedures for contract cancellation in fair trading context
Personal Data Protection Act 2012: Governs the collection, use, and disclosure of personal data in credit applications and agreements
Unfair Contract Terms Act (Cap. 396): Restricts the extent to which civil liability for breach of contract can be avoided tHRough contract terms
Interest Act (Cap. 173): Regulates interest rates and their calculation in credit agreements
Limitation Act (Cap. 163): Sets time limits for bringing legal actions relating to credit agreements and debt recovery
