Consumer Credit Act 1974: Primary legislation governing consumer credit agreements in England and Wales. Regulates the form and content of credit agreements, licensing of credit providers, and consumer protections.

Financial Services and Markets Act 2000: Key legislation establishing the regulatory framework for financial services in the UK, including loan arrangements and the powers of the Financial Conduct Authority.

Unfair Contract Terms Act 1977: Controls the use of unfair terms in contracts, particularly exclusion and limitation clauses, ensuring fairness in contractual relationships.

Consumer Rights Act 2015: Modern legislation consolidating consumer protection law, including provisions about unfair terms in consumer contracts and consumer rights.

Law of Property Act 1925: Fundamental legislation governing property law in England and Wales, relevant for loans secured against property.

FCA Regulations: Regulatory framework established by the Financial Conduct Authority, including specific rules and guidelines for loan agreements and consumer protection.

Consumer Credit sourcebook (CONC): Part of the FCA Handbook containing detailed rules and guidance for firms involved in consumer credit activities.

Money Laundering Regulations 2017: Regulations requiring due diligence and verification procedures in financial transactions to prevent money laundering.

Data Protection Act 2018: UK's implementation of data protection requirements, including UK GDPR, governing how personal information must be handled in loan agreements.

Late Payment of Commercial Debts (Interest) Act 1998: Legislation governing interest on late payments in commercial transactions, particularly relevant for business-to-business loans.

Common Law Contract Principles: Fundamental principles of contract law including offer, acceptance, consideration, and intention to create legal relations.

Enterprise Act 2002: Legislation affecting business relationships and competition law, with provisions relevant to business lending.