Consumer Credit Act 1974: Primary legislation regulating consumer credit agreements, including requirements for form and content of credit agreements, disclosure requirements, and borrower's rights and protections

Financial Services and Markets Act 2000: Establishes regulatory framework for financial services, including requirements for authorized lenders and consumer protection provisions

Consumer Rights Act 2015: Governs fairness of contract terms, transparency requirements, and general consumer protections in contracts

FCA Regulations: Financial Conduct Authority regulations including consumer credit sourcebook (CONC), responsible lending requirements, and guidelines for treatment of customers

Bills of Exchange Act 1882: Sets out basic requirements for promissory notes and their enforceability provisions

Unfair Contract Terms Act 1977: Governs limitations on exclusion clauses and reasonableness requirements in contracts

Consumer Protection from Unfair Trading Regulations 2008: Establishes prohibitions on unfair commercial practices and disclosure requirements in consumer transactions

Data Protection Act 2018 and UK GDPR: Outlines personal data handling requirements and privacy provisions that must be considered in financial agreements