Consumer Credit Act 1974: Primary legislation regulating consumer credit and hire agreements, including mandatory information requirements, format specifications, borrower rights and enforcement procedures for vehicle finance agreements
Financial Services and Markets Act 2000: Core legislation governing financial services regulation, including requirements for authorized lenders and consumer protection provisions in vehicle financing
Consumer Rights Act 2015: Legislation covering fairness of contract terms, quality of goods provisions, and consumer remedies in vehicle finance agreements
Consumer Credit (Agreements) Regulations 2010: Secondary legislation detailing prescribed content and information disclosure requirements for credit agreements, including vehicle finance
FSMA (Regulated Activities) Order 2001: Statutory instrument defining regulated activities including credit agreements and vehicle financing arrangements
Consumer Protection from Unfair Trading Regulations 2008: Regulations prohibiting unfair commercial practices in consumer contracts, including vehicle finance agreements
FCA Consumer Credit Sourcebook (CONC): Regulatory guidelines covering responsible lending requirements and treatment of customers in credit agreements
Data Protection Act 2018 and UK GDPR: Legislation governing the processing of personal data and privacy requirements in financial agreements
Unfair Contract Terms Act 1977: Legislation controlling the use and limitations of exclusion clauses in contracts, including reasonableness tests
Bills of Sale Acts 1878 and 1882: Historic legislation governing the registration and regulation of bills of sale, which may apply to vehicle finance agreements structured as bills of sale
