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Consumer Credit Act 1974: Primary legislation governing consumer credit agreements and consumer lending in the UK. Applies when the loan is made to a consumer rather than a business.

Financial Services and Markets Act 2000: Key legislation regulating financial services in the UK, establishing regulatory framework and requirements for financial activities.

Law of Property Act 1925: Fundamental property law legislation relevant when the loan is secured against property.

Unfair Contract Terms Act 1977: Legislation regulating unfair terms in contracts, ensuring fairness and reasonableness in contractual relationships.

Consumer Rights Act 2015: Modern legislation protecting consumer rights and regulating business-to-consumer contracts.

FCA Regulations: Regulatory requirements set by the Financial Conduct Authority governing financial services and products.

CONC Rules: Consumer Credit sourcebook rules providing detailed regulations for consumer credit activities.

Money Laundering Regulations 2017: Regulations requiring due diligence and verification procedures to prevent money laundering.

GDPR and Data Protection Act 2018: Legislation governing the handling and protection of personal data in the UK.

Limitation Act 1980: Legislation setting time limits for bringing legal actions and enforcing rights under contracts.

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

Late Payment of Commercial Debts (Interest) Act 1998: Legislation concerning interest on late payments in commercial transactions between businesses.