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Consumer Credit Act 1974: Primary legislation regulating credit agreements, requiring specific information disclosures, providing consumer protection rights, and mandating licensing for credit providers in vehicle finance contracts

Financial Services and Markets Act 2000: Regulates financial services and markets, requires FCA authorization for certain activities, and sets standards for financial promotions in vehicle financing

Consumer Rights Act 2015: Ensures fairness of contract terms, provides statutory rights for consumers, covers quality of goods and services, and addresses unfair contract terms in vehicle sales and financing

Sale of Goods Act 1979: Defines rights and obligations in goods transactions, covers title, description, and quality requirements, and addresses payment terms for vehicle sales

Misrepresentation Act 1967: Covers false statements that induce contracts and provides remedies for misrepresentation in vehicle sales and financing agreements

Supply of Goods and Services Act 1982: Sets standards for service provision and defines implied terms in contracts related to vehicle sales and associated services

FCA Regulations: Specific rules for vehicle finance and conduct of business requirements as set by the Financial Conduct Authority

GDPR and Data Protection Act 2018: Requirements for handling personal data, including privacy notices and consent in vehicle finance contracts

Money Laundering Regulations 2017: Customer due diligence requirements and record keeping obligations for vehicle finance transactions