Consumer Credit Act 1974: Primary legislation governing consumer credit in the UK. Regulates form and content of credit agreements, prescribes mandatory information requirements, and sets out cancellation rights.
Financial Services and Markets Act 2000: Establishes regulatory framework, sets requirements for FCA authorization, and provides financial promotion rules.
Consumer Rights Act 2015: Governs fairness of contract terms, transparency requirements, and consumer protection provisions.
Consumer Credit (Agreements) Regulations 2010: Secondary legislation that prescribes specific form and content requirements for credit agreements.
Financial Services and Markets Act 2000 (Regulated Activities) Order 2001: Defines which credit activities are regulated under UK law.
Consumer Credit (Disclosure of Information) Regulations 2010: Sets out pre-contract information requirements for credit agreements.
FCA Handbook (CONC): Consumer Credit sourcebook containing detailed rules and guidance from the Financial Conduct Authority.
GDPR and Data Protection Act 2018: Legislation governing requirements for handling personal data in credit agreements.
Unfair Terms in Consumer Contracts Regulations 1999: While largely superseded by Consumer Rights Act 2015, remains relevant for interpretation of unfair terms.
