��������Ƶ

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: Key legislation regulating financial services in the UK, establishing regulatory framework and requirements for financial institutions and activities.

Consumer Rights Act 2015: Legislation protecting consumer rights and governing unfair terms in consumer contracts, including financial services agreements.

Unfair Contract Terms Act 1977: Controls unfair terms in contracts, particularly exclusion and limitation clauses, ensuring fairness in business-to-business and business-to-consumer contracts.

Law of Property Act 1925: Fundamental legislation governing property law in England and Wales, relevant if the loan is secured against property.

FCA Regulations: Regulatory requirements set by the Financial Conduct Authority governing conduct of financial institutions and protection of consumers.

MCOB Rules: Mortgage and Home Finance: Conduct of Business sourcebook - detailed rules governing mortgage lending and home finance activities.

CONC Rules: Consumer Credit sourcebook - FCA rules specifically governing consumer credit activities and protecting consumer interests.

UK Money Laundering Regulations 2017: Regulations requiring financial institutions to implement measures to prevent money laundering and terrorist financing.

Data Protection Act 2018: Legislation governing how personal data must be handled, incorporating UK GDPR requirements into domestic law.

Financial Services (Distance Marketing) Regulations 2004: Rules governing how financial services can be marketed and sold at a distance, including online or by phone.

Consumer Protection from Unfair Trading Regulations 2008: Prohibits unfair commercial practices between traders and consumers, including misleading actions or omissions.

Electronic Communications Act 2000: Legislation providing legal framework for electronic signatures and electronic communications in legal documents.

Contract Law Principles: Common law principles governing formation and enforcement of contracts, including offer, acceptance, consideration, and intention to create legal relations.

Principles of Equity: Legal principles ensuring fairness in the interpretation and enforcement of contracts, including principles of good faith and fair dealing.

Doctrine of Undue Influence: Common law principle protecting parties from entering into agreements under inappropriate pressure or influence.

Misrepresentation Act 1967: Legislation providing remedies for false statements made during contract formation that induced entry into the contract.