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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: Core legislation regulating financial services and markets 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: Controls unfair terms in contracts, particularly exclusion and limitation clauses.

Law of Property Act 1925: Relevant when the loan is secured against property, governing legal frameworks for property rights and securities.

FCA Regulations: Financial Conduct Authority regulations providing detailed rules for financial services and consumer protection.

Consumer Credit sourcebook (CONC): FCA handbook containing detailed rules and guidance for consumer credit activities.

Money Laundering Regulations 2017: Regulations requiring due diligence and verification procedures in financial transactions.

Data Protection Act 2018: Legislation governing how personal data must be handled, including UK GDPR requirements.

Limitation Act 1980: Sets time limits for bringing legal claims, relevant for enforcement of loan agreements.

Enterprise Act 2002: Contains provisions relating to enforcement of debts and business regulations.

Late Payment of Commercial Debts (Interest) Act 1998: Governs the charging of interest on late commercial payments.

Companies Act 2006: Relevant for corporate borrowers, governing company law and corporate securities.

Financial Collateral Arrangements (No.2) Regulations 2003: Regulations governing financial collateral arrangements in lending.

Insolvency Act 1986: Governs insolvency proceedings and creditors' rights in case of default.

Consumer Credit (EU Directive) Regulations 2010: Implements EU consumer credit rules into UK law, still relevant post-Brexit under retained EU law.