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Consumer Credit Act 1974: Regulates credit agreements and consumer protection, particularly for individual borrowers (non-business). Sets requirements for form and content of credit agreements.

Financial Services and Markets Act 2000: Provides the regulatory framework for financial services and establishes requirements for regulated credit activities.

Consumer Rights Act 2015: Governs fairness of contract terms, transparency requirements, and protection against unfair terms and conditions in consumer contracts.

Law of Property Act 1925: Establishes fundamental property law principles, particularly relevant if the promissory note is secured against property.

Bills of Exchange Act 1882: Sets out basic principles governing promissory notes and requirements for their validity.

Limitation Act 1980: Establishes time limits for enforcing debt and statute of limitations considerations.

Financial Services and Markets Act 2000 (Regulated Activities) Order 2001: Determines whether the financing arrangement requires Financial Conduct Authority (FCA) authorization.

Money Laundering Regulations 2017: Establishes due diligence requirements and record-keeping obligations for financial transactions.

Unfair Contract Terms Act 1977: Places restrictions on certain types of contract terms and establishes requirements for reasonableness in contracts.