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Statute of Frauds 1677: Foundational legislation requiring guarantees to be made in writing and signed to be legally enforceable

Consumer Credit Act 1974: Key legislation governing consumer credit agreements and related guarantees when the underlying loan is to an individual

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

Contracts (Rights of Third Parties) Act 1999: Legislation governing how third parties may enforce terms of a contract, relevant for guarantee relationships

Consumer Rights Act 2015: Legislation protecting consumer rights, applicable when the guarantor is acting as a consumer

Financial Services and Markets Act 2000: Primary legislation governing financial services regulation in the UK, including lending activities

FCA Regulations: Regulatory framework and guidance from the Financial Conduct Authority governing financial services and consumer protection

CONC Rules: Consumer Credit sourcebook rules providing specific requirements for consumer credit activities

Contract Formation Principles: Common law principles covering offer, acceptance, consideration, and intention to create legal relations

Capacity Rules: Legal principles governing parties' capacity to enter into binding contracts

Undue Influence and Duress: Legal principles protecting parties from being forced or improperly pressured into agreements

Misrepresentation Rules: Legal principles dealing with false statements or representations that induce contract formation

Data Protection Act 2018: Legislation implementing UK GDPR, governing the handling of personal data in contractual relationships

Money Laundering Regulations 2017: Regulations requiring certain checks and procedures to prevent financial crime

Mental Capacity Act 2005: Legislation governing assessment of mental capacity to enter into contracts, including guarantees