Financial Services and Markets Act 2000: Primary legislation governing financial services regulation in the UK, establishing the regulatory framework for financial activities including mortgage lending
Consumer Credit Act 1974: Regulates credit agreements and provides consumer protection in credit transactions, including aspects of secured lending
Consumer Rights Act 2015: Consolidates consumer protection legislation and provides rules about unfair terms in consumer contracts
Law of Property Act 1925: Fundamental legislation governing property law in England and Wales, including mortgages and charges over land
Land Registration Act 2002: Governs the registration of land and property rights in England and Wales, including the registration of mortgages
Mortgage Credit Directive Order 2015: Implements the EU Mortgage Credit Directive, setting standards for residential mortgage lending
FCA Handbook: Comprehensive resource containing all FCA regulatory requirements for financial services firms
MCOB: Mortgages and Home Finance: Conduct of Business sourcebook - Details specific rules for mortgage lenders and administrators
CONC: Consumer Credit sourcebook - Contains detailed rules for consumer credit activities
Unfair Terms in Consumer Contracts Regulations 1999: Protects consumers against unfair standard terms in contracts with traders
Consumer Protection from Unfair Trading Regulations 2008: Prohibits unfair commercial practices between traders and consumers
Financial Services (Distance Marketing) Regulations 2004: Regulates the distance marketing of financial services to consumers
UK General Data Protection Regulation: Post-Brexit data protection regulation governing the processing of personal data
Data Protection Act 2018: Implements and supplements the UK GDPR, providing the framework for data protection in the UK
Money Laundering Regulations 2017: Sets out the requirements for anti-money laundering controls and due diligence in financial transactions
Proceeds of Crime Act 2002: Criminal law relating to money laundering and proceeds of crime, relevant for financial institutions
Contract Law Principles: Common law principles governing formation and enforcement of contracts, including offer, acceptance, consideration, and intention to create legal relations
Property Law Principles: Common law principles relating to real property, including estates, interests in land, and proprietary rights
Equity and Trusts: Legal principles developed by courts of equity, particularly relevant for mortgages and the protection of property rights
