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Consumer Credit Act 1974: Regulates credit agreements and consumer protection, requiring specific disclosures and formatting. Applies when buyer is a consumer and may require FCA authorization for the seller.

Financial Services and Markets Act 2000: Regulates financial services and credit activities. Relevant if the arrangement falls within regulated credit activities.

Sale of Goods Act 1979: Primary legislation governing sale of goods in England and Wales. Implies terms about quality, fitness for purpose, and title. Sets out rights and remedies for both parties.

Unfair Contract Terms Act 1977: Limits ability to exclude or restrict liability and requires terms to be reasonable, particularly important in consumer contracts.

Consumer Rights Act 2015: Provides additional protections for consumers in business-to-consumer contracts. Requires transparency and fairness in terms.

Law of Property Act 1925: Relevant for security interests and important if the agreement includes charges over property.

Bills of Sale Acts 1878 and 1882: Relevant if the agreement includes security over personal property.

Fraud Act 2006: Relevant for representations and warranties and important for anti-fraud provisions in the agreement.