Consumer Credit Act 1974: Primary legislation governing consumer credit agreements in the UK, including credit card agreements. Covers credit licensing, form and content of agreements, and consumer protections.
Financial Services and Markets Act 2000: Establishes the regulatory framework for financial services in the UK, including credit card issuers and the powers of the Financial Conduct Authority.
Consumer Rights Act 2015: Sets out consumer rights and protections, including unfair terms in consumer contracts and transparency requirements.
Data Protection Act 2018: UK implementation of GDPR, governing how personal data must be handled, stored, and protected in credit card agreements.
FCA Regulations: Financial Conduct Authority's regulatory requirements for credit card providers, including conduct of business rules and customer treatment.
FCA Consumer Credit Sourcebook (CONC): Detailed rules and guidance for consumer credit firms, including specific requirements for credit card agreements and responsible lending.
Payment Services Regulations 2017: Governs payment services in the UK, including credit card transactions, security requirements, and customer authentication.
Consumer Credit (Disclosure of Information) Regulations 2010: Specifies what information must be disclosed to consumers in credit agreements, including pre-contractual information.
Unfair Contract Terms Act 1977: Controls the use of unfair terms in contracts, particularly exclusion clauses and limitations of liability.
Electronic Communications Act 2000: Provides legal framework for electronic signatures and electronic communications in contracts.
Distance Selling Regulations: Regulates contracts made at a distance, including online credit card applications and agreements.
Money Laundering Regulations 2017: Sets out requirements for identity verification and anti-money laundering measures in financial services.
