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Consumer Credit Act 1974: Primary legislation governing consumer credit agreements in England and Wales, setting out requirements for credit agreements with individuals

Financial Services and Markets Act 2000: Key legislation establishing the regulatory framework for financial services in the UK, including lending activities

Contracts (Rights of Third Parties) Act 1999: Legislation governing how third parties may enforce terms of a contract, relevant for any potential assignment or transfer of the loan

Unfair Contract Terms Act 1977: Legislation restricting how businesses can exclude or limit their liability in contracts, ensuring fairness in contractual terms

Consumer Rights Act 2015: Legislation protecting consumer rights and governing fairness in consumer contracts, including financial services

FCA Regulations: Regulatory framework set by the Financial Conduct Authority governing financial services and consumer credit activities

FCA Consumer Credit sourcebook (CONC): Detailed rules and guidance for consumer credit activities, including requirements for loan agreements

Financial Services and Markets Act 2000 (Regulated Activities) Order 2001: Statutory instrument specifying which activities require FCA authorization, including certain lending activities

Common Law Contract Principles: Fundamental legal principles governing contract formation, including offer, acceptance, consideration, and intention to create legal relations

Misrepresentation Act 1967: Legislation governing false or misleading statements made during contract formation

Money Laundering Regulations 2017: Regulations requiring certain checks and procedures to prevent money laundering and terrorist financing

UK GDPR: Data protection legislation governing how personal information must be handled and processed

Data Protection Act 2018: UK's implementation of data protection requirements, working alongside UK GDPR to regulate personal data handling