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Consumer Credit Act 1974: Primary legislation governing consumer credit agreements in England and Wales, particularly relevant if the borrower is an individual

Financial Services and Markets Act 2000: Key legislation regulating financial services and markets in the UK, including lending activities

Unfair Contract Terms Act 1977: Legislation controlling unfair terms in contracts, particularly exclusion clauses and limitations of liability

Consumer Rights Act 2015: Law protecting consumer rights and regulating business-to-consumer contracts, including financial services

Contracts (Rights of Third Parties) Act 1999: Legislation governing how third parties may enforce terms of a contract

Financial Conduct Authority Regulations: Regulatory framework and guidelines set by the FCA for financial services and lending activities

Consumer Credit (Disclosure of Information) Regulations 2010: Regulations specifying what information must be disclosed to consumers in credit agreements

Housing Act 2004: Legislation governing housing standards and property improvements, relevant for rehabilitation loans

Building Regulations 2010: Regulations setting standards for building work and property modifications

Money Laundering Regulations 2017: Regulations requiring checks and procedures to prevent money laundering in financial transactions

UK General Data Protection Regulation: Law governing how personal data must be handled and protected in business operations

Equality Act 2010: Legislation ensuring non-discrimination in the provision of services, including financial services

Late Payment of Commercial Debts (Interest) Act 1998: Law governing interest charges on late payments in commercial transactions

Consumer Credit (Early Settlement) Regulations 2004: Regulations governing early repayment rights and calculations in consumer credit agreements

Common Law Contract Principles: Established legal principles regarding contract formation, enforcement, and remedies in English law