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

Financial Services and Markets Act 2000: Fundamental legislation establishing the regulatory framework for financial services in the UK, including lending activities and consumer protection measures.

Consumer Rights Act 2015: Modern legislation consolidating consumer rights, particularly relevant for fairness of terms in consumer contracts and transparency requirements.

Unfair Contract Terms Act 1977: Controls the use of unfair terms in contracts, particularly exclusion and limitation clauses, ensuring fairness in commercial and consumer agreements.

Law of Property Act 1925: Fundamental property law legislation relevant when the loan is secured against property, governing mortgages and charges.

FCA Regulations: Regulatory requirements set by the Financial Conduct Authority, including conduct of business rules and consumer protection measures.

Consumer Credit Sourcebook (CONC): Part of the FCA Handbook providing detailed rules and guidance for consumer credit activities and regulated lending.

Money Laundering Regulations 2017: Requirements for customer due diligence and anti-money laundering procedures in financial transactions.

Data Protection Act 2018: UK's implementation of data protection requirements, including UK GDPR, governing how personal data must be handled in loan agreements.

Limitation Act 1980: Sets statutory time limits for bringing legal claims, relevant for enforcement of loan agreements and recovery of debts.

Late Payment of Commercial Debts (Interest) Act 1998: Governs interest charges on late payments in commercial transactions, particularly relevant for business loans.