Banking Act (Cap. 19): Primary legislation that regulates banking business and financial institutions in Singapore, including provisions on lending limits and restrictions
Moneylenders Act (Cap. 188): Regulates moneylending activities in Singapore, particularly relevant if the lender is not a licensed bank
Securities and Futures Act (Cap. 289): Applicable when the loan is secured by securities, governing the creation and enforcement of security interests
Contracts Act (Cap. 53): Fundamental legislation governing contract formation, validity, and enforcement in Singapore
MAS Guidelines: Regulatory guidelines including Notice 612 on Credit Risk Management and Guidelines on Fair Lending Practices issued by the Monetary Authority of Singapore
Personal Data Protection Act 2012: Governs the collection, use, and disclosure of personal data in Singapore, relevant for handling borrower's information
Civil Law Act (Cap. 43): Contains provisions regarding interest rates and rules on contractual penalties in Singapore
Consumer Protection (Fair Trading) Act: Provides protection for consumers in Singapore, applicable if the borrower is a consumer rather than a business entity
Bankruptcy Act (Cap. 20): Governs bankruptcy proceedings, creditor's rights and remedies in default scenarios
Companies Act (Cap. 50): Regulates corporate borrowing powers, financial assistance provisions, and other aspects of corporate lending when the borrower is a company
