Consumer Credit Act 1974: Primary legislation governing consumer credit agreements in England and Wales, setting out the framework for consumer protection in credit transactions

Financial Services and Markets Act 2000: Establishes the regulatory framework for financial services in the UK, including credit-related activities

Consumer Rights Act 2015: Consolidates consumer protection law, including unfair terms in consumer contracts and transparency requirements

Unfair Contract Terms Act 1977: Regulates unfair terms in contracts, particularly exclusion clauses and limitations of liability

Consumer Credit (EU Directive) Regulations 2010: Implements EU consumer credit rules into UK law, covering standardized information and consumer rights

FCA Regulations: Financial Conduct Authority's regulatory requirements for credit providers, including conduct standards and consumer protection measures

FCA Consumer Credit Sourcebook (CONC): Detailed rules and guidance for consumer credit firms, covering lending practices and consumer treatment

Consumer Protection from Unfair Trading Regulations 2008: Prohibits unfair commercial practices and sets standards for business-to-consumer trading

Data Protection Act 2018: Governs the processing of personal data, including credit-related information and customer details

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

Financial Services (Banking Reform) Act 2013: Reforms the banking sector, including provisions affecting credit agreements and financial institutions

APR Disclosure Requirements: Mandatory disclosure of Annual Percentage Rate and other key financial information in credit agreements

Payment Terms Requirements: Legal requirements for clear payment schedules, terms, and conditions in credit agreements

Default Provisions: Required clauses covering default scenarios, consequences, and procedures in credit agreements

Right of Withdrawal: Mandatory cooling-off period provisions giving consumers the right to withdraw from credit agreements

Early Repayment Rights: Legal requirements regarding borrowers' rights to make early repayments and associated calculations

Information Security Requirements: Standards for protecting customer data and maintaining information security in credit agreements

Charges and Fees Disclosure: Requirements for transparent disclosure of all charges, fees, and costs associated with the credit agreement

Complaints Handling Procedures: Mandatory procedures for handling customer complaints and dispute resolution processes