Consumer Credit Act 1974: Primary legislation governing credit agreements in England and Wales. Covers consumer protections, disclosure requirements, and cooling-off periods for credit arrangements.
Financial Services and Markets Act 2000: Establishes the regulatory framework for financial services, including authorization requirements and consumer protection provisions for lending activities.
Consumer Rights Act 2015: Legislation covering unfair terms provisions, transparency requirements, and general consumer protection measures in contracts.
Consumer Credit (Disclosure of Information) Regulations 2010: Specific regulations detailing pre-contract information requirements and the mandatory form and content of credit agreements.
FSMA (Regulated Activities) Order 2001: Defines regulated lending activities and establishes licensing requirements for credit providers.
Consumer Protection from Unfair Trading Regulations 2008: Regulations prohibiting unfair commercial practices and protecting consumers from misleading actions in credit arrangements.
FCA Handbook - CONC: Consumer Credit sourcebook containing detailed conduct of business rules and responsible lending requirements set by the Financial Conduct Authority.
Common Law Principles: Established legal principles covering contract formation, breach of contract, and remedies applicable to credit agreements.
UK GDPR and Data Protection Act 2018: Data protection legislation governing the handling of personal information in credit agreements and lending relationships.
