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Consumer Credit Act 1974: Primary legislation governing consumer credit agreements and consumer lending in England and Wales. Essential if the loan is being made to a consumer rather than a business.

Financial Services and Markets Act 2000: Fundamental legislation establishing the regulatory framework for financial services in the UK, including lending activities and financial promotions.

Consumer Rights Act 2015: Key legislation protecting consumer rights and defining unfair terms in consumer contracts, including loan agreements.

Unfair Contract Terms Act 1977: Legislation regulating unfair terms in contracts, particularly concerning exclusion and limitation clauses in both consumer and business contracts.

Misrepresentation Act 1967: Legislation dealing with false or misleading statements made during contract formation, relevant for loan agreement representations and warranties.

FCA Regulations: Regulatory framework established by the Financial Conduct Authority, including specific rules and guidance for lending activities.

Consumer Credit sourcebook (CONC): Part of the FCA handbook containing detailed rules and guidance for consumer credit activities and lending.

Regulated Activities Order 2001: Specifies which activities require FCA authorization, including various forms of lending and credit-related activities.

Money Laundering Regulations 2017: Regulations requiring certain due diligence and verification procedures in financial transactions, including lending.

UK GDPR and Data Protection Act 2018: Legislation governing the processing and protection of personal data, crucial for handling borrower information.

Unfair Terms in Consumer Contracts Regulations 1999: Specific regulations protecting consumers from unfair terms in contracts, including loan agreements.

Consumer Protection from Unfair Trading Regulations 2008: Regulations protecting consumers from unfair commercial practices, including misleading actions or omissions in lending.

Law of Property (Miscellaneous Provisions) Act 1989: Legislation relevant for requirements regarding execution of deeds and documents, particularly important for secured loans.

Late Payment of Commercial Debts (Interest) Act 1998: Legislation governing interest on late payments in commercial transactions, relevant for business-to-business loans.