Consumer Credit Act 1974: Primary legislation governing consumer credit agreements in England and Wales, setting out fundamental requirements for credit agreements including form, content, and consumer rights
Financial Services and Markets Act 2000: Establishes the regulatory framework for financial services in the UK, including consumer credit activities and the powers of the Financial Conduct Authority
Consumer Rights Act 2015: Modern legislation covering consumer contracts, unfair terms, and consumer rights in relation to goods and services, including credit agreements
Unfair Contract Terms Act 1977: Controls the use of unfair terms in contracts, particularly exclusion and limitation clauses in consumer contracts
Consumer Protection from Unfair Trading Regulations 2008: Prohibits unfair commercial practices between traders and consumers, including misleading actions and omissions in credit agreements
FCA Regulations: Regulatory requirements and guidance issued by the Financial Conduct Authority governing credit providers and credit agreements
Consumer Credit Sourcebook (CONC): Detailed rules and guidance from the FCA specifically relating to consumer credit activities and agreements
Consumer Protection (Distance Selling) Regulations 2000: Regulations governing contracts made at a distance, including specific requirements for credit agreements not made face-to-face
Data Protection Act 2018/GDPR: Legislative requirements for handling personal data in credit agreements, including collection, processing, and storage of consumer information
