Consumer Credit Act 1974: Primary legislation governing consumer credit agreements in England and Wales. Essential if one party is a consumer, covering licensing, regulation of credit agreements, and consumer protections.

Financial Services and Markets Act 2000: Establishes the regulatory framework for financial services in the UK, including credit-related activities and the powers of the Financial Conduct Authority (FCA).

Consumer Rights Act 2015: Consolidates consumer protection law, including unfair terms in consumer contracts and the quality of services provided.

Unfair Contract Terms Act 1977: Controls the use of exclusion and limitation clauses in contracts, ensuring fairness particularly in business-to-consumer agreements.

Unfair Terms in Consumer Contracts Regulations 1999: Protects consumers against unfair standard terms in contracts with traders, providing additional consumer protection.

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

Consumer Credit sourcebook (CONC): Part of the FCA handbook providing detailed rules and guidance for firms offering consumer credit.

UK Money Laundering Regulations 2017: Sets out requirements for due diligence and preventing financial crime in credit arrangements.

Financial Services (Distance Marketing) Regulations 2004: Governs the remote marketing and execution of financial services contracts, including credit agreements.

Data Protection Act 2018 and UK GDPR: Regulates the handling of personal data in credit agreements and related documentation.

Electronic Communications Act 2000: Provides legal framework for electronic signatures and electronic contract execution.

Misrepresentation Act 1967: Governs remedies for misrepresentation in contract formation, including credit agreements.

Limitation Act 1980: Sets statutory time limits for bringing legal actions relating to contract breaches and enforcement.