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Consumer Credit Act 1974: Primary legislation governing consumer credit agreements and personal guarantees in England and Wales, establishing the framework for consumer protection in credit transactions

Financial Services and Markets Act 2000: Key legislation regulating financial services in the UK, providing the framework for financial regulation and supervision

Unfair Contract Terms Act 1977: Legislation controlling unfair terms in contracts, particularly relevant for guarantees and limitations of liability

Consumer Rights Act 2015: Modern legislation consolidating consumer rights and protections, including provisions about unfair terms in consumer contracts

Statute of Frauds 1677: Historic legislation requiring guarantees to be made in writing and signed to be legally enforceable

FCA Regulations: Financial Conduct Authority's regulatory framework governing financial services and consumer credit activities

Consumer Credit sourcebook (CONC): FCA handbook containing detailed rules and guidance for consumer credit firms

Treating Customers Fairly (TCF): FCA principle-based framework ensuring fair treatment of customers in financial services

Money Laundering Regulations 2017: Regulations requiring due diligence and verification procedures in financial transactions

GDPR and Data Protection Act 2018: Legislation governing the processing and protection of personal data in contractual relationships

Financial Services (Distance Marketing) Regulations 2004: Regulations governing financial services contracts made at a distance

Consumer Protection from Unfair Trading Regulations 2008: Regulations protecting consumers from unfair commercial practices

Doctrine of Consideration: Common law principle requiring something of value to be exchanged for a guarantee to be legally binding

Contractual Capacity Rules: Common law principles determining who has the legal capacity to enter into guarantee agreements

Undue Influence and Misrepresentation Principles: Common law doctrines protecting guarantors from improper pressure or false statements when entering guarantees