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Consumer Credit Act 1974: Regulates consumer credit arrangements, including loans over £140. Specifies requirements for agreement form, content, and necessary disclosures, even in employer-employee arrangements.

Employment Rights Act 1996: Governs employment relationships including provisions for salary deductions, protection of wages, and requirements for written terms of employment.

Financial Services and Markets Act 2000: Establishes regulatory framework for financial arrangements and determines whether employer requires FCA authorization for loan provision.

Income Tax Act 2007: Covers tax implications of beneficial loan arrangements, benefit in kind considerations, and P11D reporting requirements.

GDPR and Data Protection Act 2018: Regulates the processing and protection of personal and financial information in loan agreements.

Equality Act 2010: Ensures loan schemes do not discriminate against protected characteristics and maintains fair access to benefits.

Financial Services (Distance Marketing) Regulations 2004: Applies to agreements concluded at distance, specifying additional requirements for remote contract formation.

Unfair Contract Terms Act 1977: Ensures contract terms are fair and reasonable, with specific focus on limitations of exclusion clauses.

Consumer Rights Act 2015: Governs fairness and transparency of contract terms in consumer agreements.