Consumer Credit Act 1974: Primary legislation governing consumer credit and debt collection in the UK, including licensing requirements and consumer protections

Financial Services and Markets Act 2000: Establishes regulatory framework for financial services in the UK and provides FCA oversight powers

Consumer Rights Act 2015: Consolidates key consumer rights and provides protection against unfair contract terms

Data Protection Act 2018: UK implementation of GDPR, governing how personal data must be handled in debt collection processes

Limitation Act 1980: Sets statutory time limits for debt recovery actions in England and Wales

FCA Regulations: Financial Conduct Authority's regulatory framework for debt collection practices and consumer protection

CONC Rules: Consumer Credit Sourcebook rules providing detailed regulations for consumer credit and debt collection activities

Consumer Protection from Unfair Trading Regulations 2008: Prohibits unfair commercial practices in debt collection and provides consumer protection against aggressive practices

Credit Services Regulations 2010: Specific regulations governing credit services and debt collection practices

CSA Code of Practice: Credit Services Association's industry guidelines for ethical debt collection practices

FCA TCF Principles: Treating Customers Fairly principles requiring fair treatment of debtors and consideration of vulnerable customers