Law of Property Act 1925: Core legislation governing property rights and mortgages in England and Wales, including requirements for legal mortgages creation and mortgagee powers and remedies
Financial Services and Markets Act 2000: Primary regulatory framework for financial services in the UK, establishing requirements for authorized mortgage lenders and regulatory oversight
Consumer Credit Act 1974: Legislative framework providing consumer protection provisions and requirements for credit agreements in mortgage lending
Consumer Rights Act 2015: Legislation governing fairness and transparency requirements in consumer contracts, including mortgage agreements
FCA Mortgage Conduct of Business Rules (MCOB): Regulatory rulebook detailing specific requirements for mortgage lending, including information disclosure and customer treatment standards
FCA Handbook: Comprehensive regulatory guide covering general conduct of business requirements and financial promotion rules for mortgage lenders
Data Protection Act 2018 and UK GDPR: Privacy and data protection legislation governing the treatment of personal data and privacy requirements in mortgage agreements
Unfair Contract Terms Act 1977: Legislation providing protection against unfair terms and limitations on exclusion clauses in contracts including mortgages
Mortgages and Home Finance: Conduct of Business Sourcebook: Detailed regulatory sourcebook containing specific rules and guidance for mortgage business operations
Money Laundering Regulations 2017: Regulations establishing customer due diligence requirements and record keeping obligations for mortgage lenders
