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Consumer Credit Act 1974: Primary legislation governing consumer credit agreements in the UK, establishing the framework for regulation of credit arrangements and consumer protection

Financial Services and Markets Act 2000: Key legislation establishing the regulatory framework for financial services in the UK, including the FCA's powers to regulate payday lenders

Consumer Rights Act 2015: Legislation protecting consumer rights and establishing requirements for fairness in consumer contracts

Consumer Protection from Unfair Trading Regulations 2008: Regulations protecting consumers from unfair commercial practices, including misleading actions or omissions in financial services

FCA CONC Rules: Consumer Credit Sourcebook rules from the Financial Conduct Authority, providing detailed regulations for consumer credit firms

HCSTC Rules: High-cost short-term credit rules specifically regulating payday loans, including mandatory affordability checks and risk warnings

Price Cap Regulations: FCA regulations limiting daily interest rates to 0.8% and total cost to 100% of amount borrowed for payday loans

Default Fee Regulations: Rules limiting default fees to a maximum of £15 for payday loans

APR Disclosure Requirements: Mandatory requirements for clear and prominent disclosure of Annual Percentage Rate in loan agreements

Cooling-off Period Provisions: Regulations providing consumers with the right to withdraw from the credit agreement within 14 days

Data Protection Act 2018: UK implementation of GDPR, governing how personal data must be handled in loan agreements and processing

Money Laundering Regulations 2017: Requirements for identity verification and anti-money laundering checks in financial services

TCF Principles: FCA's Treating Customers Fairly principles ensuring fair treatment of consumers in financial services

CPA Regulations: Rules governing Continuous Payment Authority usage, including restrictions on repeated payment attempts