Consumer Credit Act 1974: Primary legislation governing consumer credit agreements in England and Wales, including licensing, regulation of credit agreements, and consumer protections

Financial Services and Markets Act 2000: Key legislation establishing the regulatory framework for financial services in the UK, including loan agreements and financial promotions

Consumer Rights Act 2015: Legislation covering unfair terms in consumer contracts and providing consumer protection measures

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

Law of Property Act 1925: Fundamental legislation governing secured lending and property rights in England and Wales

FCA Regulations: Regulatory requirements and guidelines set by the Financial Conduct Authority for loan agreements and financial services

Consumer Credit Sourcebook (CONC): Detailed rules and guidance for firms offering consumer credit, including requirements for loan documentation and conduct

Money Laundering Regulations 2017: Requirements for due diligence and anti-money laundering procedures in financial transactions

UK GDPR: Data protection regulations governing the processing and handling of personal data in loan agreements

Data Protection Act 2018: UK's implementation of data protection requirements, complementing UK GDPR in protecting personal information

Interest Rate Regulations: Rules governing interest rate calculations, APR disclosure requirements, and restrictions on late payment charges

Pre-contractual Information Requirements: Mandatory information that must be provided to borrowers before entering into a loan agreement

Security Registration Requirements: Rules governing the registration and perfection of security interests for secured loans