Consumer Credit Act 1974: Primary legislation regulating consumer credit agreements, defining rights and obligations of creditors and debtors, and setting out rules for credit enforcement

Financial Services and Markets Act 2000: Establishes regulatory framework for financial services and defines authorized activities related to consumer credit

Consumer Rights Act 2015: Provides protection for consumers and sets standards for unfair contract terms in financial agreements

Data Protection Act 2018 and UK GDPR: Regulates the handling of personal data and affects how creditors can use and store personal information

FCA Regulations: Includes CONC (Consumer Credit Sourcebook) rules, debt collection guidelines, and fair treatment of customers principles

Limitation Act 1980: Sets time limits for bringing claims and determines when debts become statute-barred

Financial Services (Distance Marketing) Regulations 2004: Regulates how financial services can be marketed remotely and affects communication methods with customers