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Consumer Credit Act 1974: Primary legislation governing consumer credit agreements in England and Wales. Essential if the borrower is a consumer rather than a business. Regulates the form and content of credit agreements.

Financial Services and Markets Act 2000: Key legislation regulating financial services and markets in the UK. Sets out the regulatory framework for financial activities including lending.

Consumer Rights Act 2015: Legislation protecting consumer rights and governing unfair terms in consumer contracts, including consumer loan agreements.

Unfair Contract Terms Act 1977: Controls unfair terms in contracts, particularly exclusion and limitation clauses. Applies to both business and consumer contracts.

Law of Property Act 1925: Relevant if the loan is secured against property. Governs the creation and enforcement of security interests in real property.

FCA Handbook (CONC): Regulatory sourcebook containing detailed rules and guidance for consumer credit activities, including lending.

Financial Services and Markets Act 2000 (Regulated Activities) Order 2001: Specifies which activities require FCA authorization, including certain lending activities.

Consumer Credit (Agreements) Regulations 2010: Detailed regulations specifying the form and content requirements for consumer credit agreements.

Consumer Protection from Unfair Trading Regulations 2008: Prohibits unfair commercial practices between traders and consumers, including in the context of lending.

Statute of Frauds 1677: Historic legislation requiring certain contracts to be in writing. Relevant for enforceability of loan agreements.

Money Laundering Regulations 2017: Requirements for due diligence and anti-money laundering procedures in financial transactions.

Data Protection Act 2018: Governs the processing of personal data, including borrower information in loan agreements, implementing UK GDPR requirements.