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Consumer Credit Act 1974: Primary legislation regulating consumer credit agreements, including mandatory information disclosures and cooling-off periods. Applicable if the loan is to a consumer.

Financial Services and Markets Act 2000: Regulates financial services activities, sets requirements for authorized lenders, and establishes financial promotion rules.

Consumer Rights Act 2015: Ensures fairness of contract terms, establishes transparency requirements, and contains provisions regarding unfair terms in consumer contracts.

Consumer Protection from Unfair Trading Regulations 2008: Prohibits misleading actions or omissions in trading practices and ensures transparent communication with consumers.

Money Laundering Regulations 2017: Sets requirements for identity verification and due diligence obligations in financial transactions.

Data Protection Act 2018 & UK GDPR: Establishes requirements for personal data handling, privacy notices, and data protection principles.

Limitation Act 1980: Defines time limits for enforcing loans and establishes statutory limitation periods for legal actions.

Financial Services (Distance Marketing) Regulations 2004: Provides specific requirements for financial services agreements concluded at a distance.

Consumer Contracts Regulations 2013: Sets out information requirements and cancellation rights for consumer contracts, including specific provisions for distance and off-premises contracts.