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Consumer Credit Act 1974: Core legislation regulating consumer credit agreements, setting out requirements for form and content of agreements, and establishing rights and obligations of lenders, borrowers, and guarantors

Financial Services and Markets Act 2000: Regulates financial services activities, establishes requirements for authorized lenders, and sets out consumer protection measures

Consumer Rights Act 2015: Ensures fairness in contract terms, prohibits unfair terms in consumer contracts, and provides transparency requirements

Unfair Contract Terms Act 1977: Limits ability to exclude or restrict liability and ensures reasonableness of contract terms

Limitation Act 1980: Sets time limits for enforcing rights under the agreement, relevant for repayment terms and enforcement

Data Protection Act 2018: Implements UK GDPR, regulating handling of personal information and affecting how parties' data can be used and stored

Financial Services Act 2012: Updates regulatory framework and affects financial services providers

Money Laundering Regulations 2017: Sets requirements for identity verification and due diligence obligations

Contracts (Rights of Third Parties) Act 1999: Affects how third parties (including guarantors) can enforce contract terms

Statute of Frauds 1677: Requires guarantees to be in writing and signed