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Consumer Credit Act 1974: Primary legislation governing credit agreements, defining requirements for form and content of agreements, and establishing consumer protections and rights

Financial Services and Markets Act 2000: Establishes regulatory framework and requirements for authorized lenders in credit agreements

Consumer Rights Act 2015: Governs fairness of contract terms, transparency requirements, and unfair terms provisions in consumer contracts

Consumer Credit (Agreements) Regulations 2010: Secondary legislation prescribing specific form and content requirements for credit agreements, including mandatory information

FSMA (Regulated Activities) Order 2001: Defines regulated credit activities and their scope within financial services

FCA Handbook - Consumer Credit Sourcebook (CONC): Regulatory guidance providing detailed rules and requirements for consumer credit activities

FCA Handbook - Principles for Businesses (PRIN): Fundamental principles that firms must follow when conducting regulated financial activities

FCA Handbook - Treating Customers Fairly (TCF): Regulatory principles ensuring fair treatment of customers in financial services

Data Protection Act 2018: UK implementation of GDPR, governing how personal data must be handled in credit agreements

Money Laundering Regulations 2017: Requirements for identity verification and anti-money laundering measures in financial transactions

Consumer Protection from Unfair Trading Regulations 2008: Protects consumers from unfair commercial practices, including misleading actions or omissions in credit agreements