Consumer Credit Act 1974: Primary legislation governing consumer credit in England and Wales. Sets out the framework for consumer credit agreements, licensing requirements, and consumer protections.
Financial Services and Markets Act 2000: Establishes the regulatory framework for financial services in the UK, including credit-related activities and the powers of the Financial Conduct Authority (FCA).
Consumer Rights Act 2015: Consolidates consumer protection law, including unfair terms in consumer contracts and enforcement of consumer rights.
Unfair Contract Terms Act 1977: Controls the use of unfair terms in contracts, particularly exclusion and limitation clauses.
Consumer Protection from Unfair Trading Regulations 2008: Prohibits unfair commercial practices between traders and consumers, including misleading actions and aggressive practices.
FCA Handbook - CONC: Consumer Credit sourcebook containing detailed rules and guidance for firms engaged in credit-related regulated activities.
FCA Handbook - PRIN: Principles for Businesses setting out fundamental obligations for firms under the regulatory system.
FCA Handbook - FCG: Financial Crime Guide providing guidance on steps firms can take to reduce financial crime risk.
Data Protection Act 2018: UK's implementation of data protection requirements, including UK GDPR, crucial for handling personal data in credit agreements.
Money Laundering Regulations 2017: Sets out requirements for anti-money laundering controls and due diligence in financial transactions.
Equality Act 2010: Prohibits discrimination in the provision of services, including financial services and credit.
Financial Services (Distance Marketing) Regulations 2004: Regulates the distance marketing of financial services to consumers, including credit agreements concluded remotely.
Electronic Communications Act 2000: Provides legal framework for electronic signatures and electronic communications in contracts.
Consumer Credit Directive (UK incorporated): European legislation incorporated into UK law, harmonizing consumer credit rules and providing standardized information requirements.
Distance Marketing of Financial Services Directive (UK incorporated): European legislation incorporated into UK law, governing remote marketing and conclusion of financial service contracts.
