��������Ƶ

Consumer Credit Act 1974: Primary legislation governing consumer credit agreements in England and Wales. Essential for consumer loans, setting out requirements for credit agreements, licensing, and consumer protections.

Financial Services and Markets Act 2000: Framework legislation that establishes the regulatory structure for financial services in the UK, including the powers of the Financial Conduct Authority (FCA).

Consumer Rights Act 2015: Key legislation protecting consumers' rights and addressing unfair terms in consumer contracts, including financial agreements.

Unfair Contract Terms Act 1977: Legislation controlling unfair terms in contracts, particularly exclusion and limitation clauses.

Consumer Protection from Unfair Trading Regulations 2008: Regulations protecting consumers from unfair commercial practices, including misleading actions or omissions in financial services.

FCA Handbook - CONC: Consumer Credit sourcebook containing detailed rules and guidance for consumer credit activities.

FCA Handbook - MCOB: Mortgages and Home Finance: Conduct of Business sourcebook for mortgage-related lending.

FCA Handbook - PRIN: Principles for Businesses setting out fundamental obligations for firms under the regulatory system.

Money Laundering Regulations 2017: Regulations governing anti-money laundering and counter-terrorist financing requirements for financial institutions.

Proceeds of Crime Act 2002: Legislation dealing with money laundering and proceeds of crime, relevant for due diligence in lending.

UK General Data Protection Regulation: Post-Brexit data protection regulation governing how personal data must be handled and protected.

Data Protection Act 2018: UK's implementation of data protection standards, working alongside UK GDPR.

Late Payment of Commercial Debts (Interest) Act 1998: Legislation governing interest on late payments in commercial transactions and business loans.

Common Law Contract Principles: Fundamental principles of contract law including offer, acceptance, consideration, and intention to create legal relations.

Doctrine of Unfair Terms: Common law principles regarding the fairness of contractual terms, working alongside statutory provisions.

Principles of Misrepresentation: Legal principles governing false statements or misleading information provided during contract formation.