Moneylenders Act (Chapter 188): Primary legislation governing money lending activities in Singapore, including licensing requirements, interest rate caps, and operational regulations
Pawnbrokers Act 2015: Regulates pawnbroking business and secured lending against precious metals, including licensing, valuation, and operational requirements
Securities and Futures Act (Chapter 289): Relevant if the gold loan involves investment elements or securities-based collateral arrangements
Consumer Protection (Fair Trading) Act: Ensures fair trading practices and protects consumers' interests in financial transactions including loans
Registration of Deeds Act (Chapter 269): Governs the registration of legal documents and security interests in Singapore
MAS Guidelines: Regulatory guidelines issued by the Monetary Authority of Singapore covering financial institutions and lending practices
AML/CFT Requirements: Anti-Money Laundering and Countering the Financing of Terrorism regulations for precious metals transactions and lending
Financial Advisers Act: Applicable when financial advice is provided alongside gold loan services
Contract Law Act (Chapter 53): Fundamental legislation governing contract formation, validity, and enforcement in Singapore
Unfair Contract Terms Act: Regulates unfair terms in contracts and protects consumers from unreasonable contract provisions
Electronic Transactions Act: Governs electronic contracts and digital signatures if the agreement is executed electronically
Secure Transactions Act: Regulates creation and enforcement of security interests in collateral including precious metals
Regulation of Imports and Exports Act: Controls the import and export of precious metals and related trading activities
GST Act: Governs taxation aspects of precious metals trading and related financial services
