Consumer Credit Act 1974: Primary legislation governing consumer credit and debt collection practices in the UK, setting out the framework for regulated credit agreements and debt collection activities
Financial Services and Markets Act 2000: Key legislation establishing the regulatory framework for financial services in the UK, including debt collection activities and the powers of the Financial Conduct Authority
Limitation Act 1980: Legislation establishing time limits for bringing legal actions to recover debts, typically 6 years for most debts in England and Wales
Data Protection Act 2018 and UK GDPR: Legislation governing how personal data must be handled, processed, and protected, including requirements for handling debtor information
FCA Handbook - CONC: Consumer Credit Sourcebook containing detailed rules and guidance for firms involved in consumer credit activities, including specific requirements for debt collection
FCA Handbook - PRIN: Principles for Businesses setting out fundamental obligations for firms under the regulatory system, including treating customers fairly
Credit Services Association Code of Practice: Industry standard guidelines for debt collection practices, establishing best practices and ethical standards for debt collection activities
Consumer Rights Act 2015: Legislation consolidating consumer rights and protections, including provisions affecting debt collection practices and unfair contract terms
Consumer Protection from Unfair Trading Regulations 2008: Regulations prohibiting unfair commercial practices, including misleading or aggressive practices in debt collection
Administration of Justice Act 1970 (Section 40): Legislation specifically addressing harassment of debtors, making it an offense to cause alarm, distress, or humiliation in the course of collecting debts
