Bills of Exchange Act 1882: Primary legislation governing promissory notes as negotiable instruments. Defines core requirements for valid promissory notes and establishes rights and obligations of all parties involved.

Consumer Credit Act 1974: Regulates consumer credit agreements, including mandatory disclosures and terms. Particularly relevant if the borrower is a consumer rather than a business entity.

Financial Services and Markets Act 2000: Regulates financial services and activities in the UK. May be applicable if the lender is providing credit as a business activity.

Unfair Contract Terms Act 1977: Controls and regulates unreasonable exclusion clauses in contracts and ensures overall fairness in contract terms.

Consumer Rights Act 2015: Ensures fairness of contract terms and provides additional consumer protections when the borrower is a consumer.

Limitation Act 1980: Establishes statutory time limits for bringing legal actions and defines relevant enforcement periods for promissory notes.

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

FCA Regulations: Financial Conduct Authority regulations that may apply if the lending activity falls under regulated financial services.

Anti-Money Laundering Regulations: Regulations requiring proper identification and verification of parties involved in financial transactions to prevent money laundering.

UK GDPR/Data Protection: Laws governing the collection, processing, and storage of personal data of the parties involved in the promissory note.