Consumer Credit Act 1974: Primary legislation governing consumer credit agreements and enforcement in England and Wales, setting out rights of borrowers and responsibilities of creditors
Financial Services and Markets Act 2000: Establishes the regulatory framework for financial services in the UK, including debt collection practices and consumer protection
Data Protection Act 2018: UK's implementation of data protection requirements, governing how personal information can be handled and processed by creditors
UK General Data Protection Regulation: Post-Brexit data protection regulation defining how organizations must handle personal data, including requirements for processing debtor information
Limitation Act 1980: Defines the statute of limitations for different types of debt claims in England and Wales
FCA Handbook: Comprehensive guide containing rules and guidance for regulated firms, including specific requirements for debt collection
Consumer Credit Sourcebook (CONC): Detailed rules and guidance for consumer credit firms, including specific provisions on debt collection practices
Privacy and Electronic Communications Regulations 2003: Governs electronic communications and provides rules about unsolicited contact, relevant for creditor communications
Consumer Rights Act 2015: Consolidates key consumer rights, including protection against unfair practices in debt collection
Consumer Protection from Unfair Trading Regulations 2008: Prohibits unfair commercial practices, including aggressive or misleading debt collection tactics
Unfair Terms in Consumer Contracts Regulations 1999: Protects consumers against unfair terms in contracts, including credit agreements
Malicious Communications Act 1988: Prohibits sending communications intended to cause distress or anxiety, relevant for creditor harassment
Communications Act 2003: Regulates various forms of communication, including provisions against harassment through communications
Credit Services Association Code of Practice: Industry standards for debt collection practices, providing guidance on acceptable conduct
Financial Ombudsman Service Guidelines: Guidance and precedents for resolving disputes between financial services firms and consumers, including debt-related complaints
