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Consumer Credit Act 1974: Primary legislation governing consumer credit agreements in the UK, including mandatory content requirements, licensing, and consumer protections

Financial Services and Markets Act 2000: Establishes the regulatory framework for financial services in the UK and defines regulated activities including consumer credit

Consumer Rights Act 2015: Sets out consumer rights and protections, including provisions for unfair terms in consumer contracts

Unfair Contract Terms Act 1977: Regulates unfair contract terms in business-to-consumer contracts, limiting the extent to which liability can be excluded or restricted

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

FCA Consumer Credit Sourcebook (CONC): Detailed regulatory requirements for consumer credit firms, including conduct standards and customer protection measures

Banking Conduct of Business Sourcebook (BCOBS): FCA rules governing the conduct of banking business, including requirements for fair customer treatment

Regulated Activities Order 2001: Specifies which activities require FCA authorization, including consumer credit activities

Consumer Credit Disclosure Regulations 2010: Specifies what information must be disclosed to consumers before and during a credit agreement

Consumer Credit Agreements Regulations 2010: Details the form and content requirements for consumer credit agreements

Distance Marketing Regulations 2004: Requirements for financial services contracts concluded at a distance, including information disclosure and cooling-off rights

APR Requirements: Mandatory requirements for calculating and displaying Annual Percentage Rates in credit agreements

Right of Withdrawal: 14-day cooling-off period requirements allowing consumers to withdraw from credit agreements

Post-Brexit Regulatory Framework: Updated regulatory requirements following the UK's exit from the European Union

FCA Fair Treatment Principles: Core principles ensuring fair treatment of customers in financial services, including vulnerable customers