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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, regulating the form and content of credit agreements.

Financial Services and Markets Act 2000: Key legislation regulating financial services and markets in the UK, including lending activities and regulatory requirements for financial institutions.

Law of Property Act 1925: Fundamental legislation dealing with property law in England and Wales, relevant if the loan agreement includes any security over property.

Bills of Exchange Act 1882: Historic legislation specifically governing promissory notes, bills of exchange, and other negotiable instruments in the UK.

Consumer Rights Act 2015: Modern legislation protecting consumer rights, particularly relevant if the loan agreement involves a consumer borrower.

FCA Regulations: Financial Conduct Authority regulations governing financial services and lending practices, especially important if the lender is a regulated entity.

CONC Rules: Consumer Credit sourcebook rules providing detailed regulations for consumer credit activities and fair treatment of borrowers.

Unfair Contract Terms Act 1977: Legislation controlling unfair terms in contracts, ensuring balance and fairness in contractual relationships.

Statute of Limitations Act 1980: Sets out the time limits within which legal actions must be brought, including debt recovery actions.

Money Laundering Regulations 2017: Regulations requiring due diligence and verification procedures in financial transactions to prevent money laundering.

Data Protection Act 2018: Legislation governing the handling and protection of personal data, including borrower information in loan agreements.

UK GDPR: Post-Brexit data protection regulations ensuring comprehensive protection of personal data in the UK context.