Consumer Credit Act 1974: Primary legislation regulating consumer credit agreements, setting requirements for form and content, and establishing consumer rights and protections
Consumer Rights Act 2015: Key legislation governing fairness of contract terms, quality of goods/services, and consumer remedies
Financial Services and Markets Act 2000: Establishes regulatory framework, financial promotion rules, and authorization requirements for credit agreements
Consumer Credit (Agreements) Regulations 2010: Secondary legislation detailing prescribed agreement format, information requirements, and disclosure requirements
FSMA (Regulated Activities) Order 2001: Defines regulated credit activities and their scope under financial services law
Consumer Protection from Unfair Trading Regulations 2008: Regulations prohibiting unfair commercial practices in consumer contracts
FCA Handbook - CONC: Consumer Credit sourcebook containing detailed conduct rules and documentation requirements from the Financial Conduct Authority
GDPR and Data Protection Act 2018: Privacy and data protection requirements including mandatory privacy notices and data processing terms
Unfair Contract Terms Regulations: Specific regulations ensuring fairness in contract terms and protecting consumers from unfair terms
APR Requirements: Mandatory rules for calculating and displaying Annual Percentage Rate in credit agreements
Right of Withdrawal Provisions: Statutory requirements for including and explaining consumer's right to withdraw from the credit agreement
Credit Intermediary Disclosures: Required disclosures regarding any credit intermediaries involved in the agreement
Distance Selling Regulations: Additional requirements applicable when credit agreements are concluded at a distance
