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Financial Services and Markets Act 2000: Primary legislation that establishes the regulatory framework for financial services in the UK, including mortgage lending and regulation.

Consumer Credit Act 1974: Key legislation governing consumer credit and lending, providing consumer protections in credit and loan agreements.

Mortgage Credit Directive Order 2015: Implements EU rules on mortgage lending in UK law, setting standards for mortgage credit and consumer protection.

Consumer Rights Act 2015: Consolidates consumer protection law, ensuring fairness in contracts and transparency in consumer transactions.

FCA Mortgage Conduct of Business Rules: Regulatory rules governing how mortgage lenders must conduct their business and treat customers.

FCA Treating Customers Fairly Principles: Core principles ensuring fair treatment of customers in financial services, particularly important in hardship cases.

MCOB 13: Specific section of FCA Handbook dealing with arrears, payment shortfalls and repossessions in mortgage lending.

UK Finance Lending Code: Industry guidelines for good lending practice and treatment of customers in financial difficulty.

Pre-Action Protocol for Possession Claims: Legal protocol that must be followed before initiating possession proceedings for mortgaged properties.

UK GDPR: Post-Brexit data protection regulation ensuring proper handling of personal data in financial services.

Data Protection Act 2018: UK legislation implementing data protection requirements, crucial for handling personal financial information.