Consumer Credit Act 1974: Primary legislation regulating credit agreements, requiring specific information disclosures, establishing borrower protections, and setting licensing requirements for lenders
Financial Services and Markets Act 2000: Establishes regulatory framework for financial services, including authorization requirements for lenders and financial promotion rules
Consumer Rights Act 2015: Covers unfair contract terms, transparency requirements, and general consumer protection provisions in financial agreements
Financial Services Act 2021: Provides updates to financial services regulations and additional consumer protection measures
Consumer Protection from Unfair Trading Regulations 2008: Prohibits unfair commercial practices and protects consumers from misleading actions in financial services
Data Protection Act 2018 & UK GDPR: Governs personal data handling, privacy notices, and data protection obligations in financial agreements
Money Laundering Regulations 2017: Sets out due diligence requirements, identity verification procedures, and record-keeping obligations for lenders
FCA Regulations: Establishes conduct of business rules, treating customers fairly principles, and responsible lending requirements
Consumer Credit (Disclosure of Information) Regulations 2010: Specifies pre-contract information requirements and regulates the form and content of credit agreements
Late Payment of Commercial Debts (Interest) Act 1998: Governs interest charges on late payments in business-to-business lending arrangements
Unfair Contract Terms Act 1977: Regulates the reasonableness of contract terms and limitation of liability in financial agreements
