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Consumer Credit Act 1974: Primary legislation governing consumer credit agreements. Essential if the borrower is a consumer rather than a business entity.

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

Consumer Rights Act 2015: Legislation protecting consumer rights and governing unfair terms in consumer contracts.

Unfair Contract Terms Act 1977: Regulates unfair terms in contracts, particularly exclusion and limitation clauses.

Bank of England Act 1998: Establishes the framework for banking regulation and monetary policy in the UK.

Law of Property Act 1925: Crucial legislation for secured lending, governing how security interests in property are created and enforced.

Companies Act 2006: Primary legislation governing corporate borrowers, including corporate capacity and authority to borrow.

FCA Handbook: Regulatory rules and guidance from the Financial Conduct Authority, particularly CONC for consumer credit.

PRA Rulebook: Prudential regulation rules for banks and financial institutions.

UK Money Laundering Regulations 2017: Anti-money laundering requirements affecting financial transactions and customer due diligence.

Financial Services (Banking Reform) Act 2013: Legislation implementing structural reforms to the UK banking sector.

UK GDPR: Data protection legislation governing the processing of personal data, as retained in UK law post-Brexit.

Financial Collateral Arrangements (No.2) Regulations 2003: Regulations governing financial collateral arrangements and security interests.

Bills of Exchange Act 1882: Historic legislation still relevant to payment mechanisms and negotiable instruments.

Common Law Principles: Case law and judicial precedents affecting contract formation, interpretation, and enforcement.

Equitable Principles: Principles of fairness and equity that supplement common law rules in contract interpretation and enforcement.