Consumer Credit Act 1974: Primary legislation governing consumer credit agreements and consumer lending in England and Wales, including requirements for credit agreements and consumer protections
Consumer Rights Act 2015: Legislation that consolidates consumer rights and protections, including unfair terms in consumer contracts and transparency requirements
Unfair Contract Terms Act 1977: Controls unfair terms in contracts, particularly exclusion clauses and limitations of liability
Law of Property Act 1925: Fundamental legislation concerning property law, relevant if the repayment contract involves secured lending against property
Financial Services and Markets Act 2000: Primary legislation for financial services regulation in the UK, establishing regulatory framework and requirements
Consumer Credit (EU Directive) Regulations 2010: Regulations implementing EU consumer credit rules into UK law, covering standardized information and consumer rights in credit agreements
Late Payment of Commercial Debts (Interest) Act 1998: Legislation governing interest charges on late commercial payments and statutory interest rates
Consumer Credit (Interest Rates) Order 2010: Regulation specifically dealing with interest rates in consumer credit agreements
Money Laundering Regulations 2017: Anti-money laundering requirements for financial transactions and due diligence procedures
Proceeds of Crime Act 2002: Legislation dealing with money laundering and proceeds of crime, relevant for financial transactions and reporting requirements
UK GDPR: Data protection legislation governing how personal data must be handled and processed in financial agreements
Data Protection Act 2018: UK's implementation of data protection requirements, working alongside UK GDPR
Common Law Contract Principles: Fundamental principles of contract law including offer, acceptance, consideration, and intention to create legal relations
Misrepresentation Act 1967: Legislation governing false or misleading statements made during contract formation
