Financial Services and Markets Act 2000: Primary legislation governing financial services regulation in the UK, establishing the regulatory framework for mortgage activities
Consumer Credit Act 1974: Regulates credit agreements and provides consumer protection in financial transactions including certain aspects of mortgage arrangements
Consumer Rights Act 2015: Consolidates consumer protection law and provides rules about unfair terms in consumer contracts including mortgage agreements
Mortgage Credit Directive Order 2015: Implements EU rules on mortgage credit and sets standards for mortgage lending and buying
Law of Property Act 1925: Fundamental property law that governs real estate transactions and mortgage security in England and Wales
FCA Handbook - MCOB: Mortgages and Home Finance: Conduct of Business Sourcebook - Details specific rules and guidance for mortgage lenders and administrators
FCA Handbook - CONC: Consumer Credit sourcebook - Contains rules and guidance for consumer credit activities including certain mortgage-related aspects
Unfair Terms in Consumer Contracts Regulations 1999: Protects consumers against unfair standard terms in contracts, including mortgage agreements
Consumer Protection from Unfair Trading Regulations 2008: Prohibits unfair commercial practices between traders and consumers in financial services including mortgages
Financial Services (Distance Marketing) Regulations 2004: Regulates the distance selling of financial services including mortgage products
UK General Data Protection Regulation: Governs the processing of personal data in mortgage agreements and related financial services
Data Protection Act 2018: Implements and supplements the UK GDPR, providing specific data protection requirements for financial institutions
Money Laundering Regulations 2017: Sets out anti-money laundering requirements for mortgage lenders and financial institutions
Equality Act 2010: Ensures non-discrimination in the provision of financial services including mortgages
Financial Services Act 2012: Reformed the financial regulatory structure and created new rules affecting mortgage lending
