Moneylenders Act (Chapter 188): Primary legislation governing moneylending businesses in Singapore, including licensing requirements, interest rate caps, and prohibited practices for money lenders.
Banking Act (Chapter 19): Regulates banking institutions and financial institutions, including their lending activities, regulatory requirements, and disclosure obligations.
Civil Law Act (Chapter 43): Governs fundamental aspects of civil law including contract formation, validity, interest provisions, and contractual remedies.
Common Law Contract Principles: Foundational legal principles governing contract formation, including offer, acceptance, consideration, and contractual terms and conditions.
Personal Data Protection Act 2012: Regulates the collection, use, and disclosure of personal data, including requirements for handling borrower's information and consent requirements.
Consumer Protection (Fair Trading) Act: Protects consumer rights and regulates unfair practices in consumer transactions, applicable when the borrower is a consumer.
MAS Guidelines: Regulatory guidelines issued by the Monetary Authority of Singapore covering responsible lending practices and risk management for financial institutions.
AML/CFT Requirements: Anti-Money Laundering and Countering the Financing of Terrorism requirements that must be considered in lending transactions.
Bankruptcy Act: Legislation governing bankruptcy proceedings and protections, relevant for loans to individual borrowers.
Companies Act: Legislation governing corporate entities, relevant for loans to corporate borrowers including corporate powers and restrictions.
Stamp Duties Act: Governs the stamping requirements and associated duties for loan documentation in Singapore.
