Consumer Credit Act 1974: Primary legislation regulating consumer credit agreements, including mandatory information disclosures, cooling-off periods, and defining lender and borrower rights

Financial Services and Markets Act 2000: Establishes regulatory framework for financial services, including requirements for authorized lenders and market regulation

Consumer Rights Act 2015: Ensures fairness in consumer contracts, prohibits unfair terms, and provides general consumer protections

Financial Services (Distance Marketing) Regulations 2004: Governs contracts concluded at distance, including information requirements and cancellation rights

Consumer Protection from Unfair Trading Regulations 2008: Protects consumers from unfair commercial practices and misleading actions in trading

Data Protection Act 2018 and UK GDPR: Regulates the handling of personal data, sets requirements for data processing, and defines privacy rights

FCA Regulations: Financial Conduct Authority regulations setting conduct standards for lenders, guidelines for responsible lending, and disclosure requirements

Unfair Contract Terms Act 1977: Controls unfair contract terms, limits liability exclusions, and ensures reasonable terms in contracts