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Law of Property Act 1925: Key legislation governing mortgages and their discharge, including requirements for legal charges and their release. Essential for the formal requirements of releasing mortgage liability.

Land Registration Act 2002: Governs the requirements for registration and removal of charges on property, and procedures for updating the Land Registry. Critical for ensuring the release is properly recorded.

Financial Services and Markets Act 2000: Establishes the regulatory framework for mortgage lenders and provides consumer protection provisions. Important for ensuring compliance with financial services regulations.

Consumer Credit Act 1974: Relevant for regulated mortgage contracts, providing consumer protection provisions and requirements for credit agreements.

FCA Regulations: Including Mortgage Conduct of Business (MCOB) rules and fair treatment of customers requirements. Essential for ensuring regulatory compliance in mortgage releases.

HM Land Registry Requirements: Specific requirements including Form DS1 (Discharge of registered charge) and registration procedures for properly recording the release.

Trustee Act 2000: Relevant when trustees are involved in the release of mortgage liability, governing their powers and duties.

Mortgage Credit Directive Order 2015: EU-derived regulations affecting mortgage contracts and their termination, including consumer protection measures.

Unfair Contract Terms Act 1977: Ensures fairness in contract terms and provides protection against unreasonable terms in the release agreement.

Consumer Rights Act 2015: Provides additional consumer protection provisions relevant to mortgage agreements and their termination.