Consumer Credit Act 1974: Primary legislation regulating consumer credit agreements, including requirements for form and content, consumer protections and rights, and provisions for enforcement and termination
Financial Services and Markets Act 2000: Regulatory framework for financial services and markets, establishing requirements for authorized lenders and overall market regulation
Consumer Rights Act 2015: Legislation ensuring fairness in consumer contracts, regulating unfair terms and providing general consumer protections
Bills of Sale Acts 1878 and 1882: Historical legislation governing secured lending against personal property, including registration requirements for security interests
GDPR and Data Protection Act 2018: Data protection legislation governing the handling of personal data, requiring specific privacy notices and consents in financial agreements
Financial Services (Distance Marketing) Regulations 2004: Regulations applying to agreements made at distance, setting out specific information requirements for remote financial services
Consumer Protection from Unfair Trading Regulations 2008: Legislation prohibiting unfair commercial practices and ensuring transparency in business-to-consumer dealings
FCA Regulations and Guidelines: Regulatory requirements and conduct of business rules specific to consumer credit, issued by the Financial Conduct Authority
