Consumer Credit Act 1974: Primary legislation governing consumer lending and credit agreements in England and Wales. Essential for debt agreements involving individual consumers.

Law of Property Act 1925: Fundamental legislation concerning property rights and secured lending. Relevant when the debt agreement is secured against real property.

Contracts (Rights of Third Parties) Act 1999: Legislation governing how third parties may enforce terms of a contract. Important for debt assignments and guarantees.

Limitation Act 1980: Sets statutory time limits for bringing claims and debt recovery actions. Critical for enforcement provisions in debt agreements.

Financial Services and Markets Act 2000: Key legislation regulating financial services and markets in the UK. Establishes regulatory framework for lending activities.

Consumer Credit (Agreements) Regulations 2010: Secondary legislation detailing specific requirements for consumer credit agreements, including prescribed content and format.

Financial Services and Markets Act 2000 (Regulated Activities) Order 2001: Specifies which activities require FCA authorization, including certain lending and credit activities.

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

Consumer Protection from Unfair Trading Regulations 2008: Protects consumers from unfair commercial practices, relevant for debt agreement terms and execution.

Late Payment of Commercial Debts (Interest) Act 1998: Governs interest on late payments in commercial transactions. Essential for business-to-business debt agreements.

FCA Regulations: Regulatory requirements and guidance from the Financial Conduct Authority governing lending practices and consumer protection.

Common Law Contract Principles: Established legal principles regarding contract formation, including offer, acceptance, consideration, and intention to create legal relations.

Unfair Contract Terms Act 1977: Controls unfair terms in contracts, particularly exclusion and limitation clauses.

Money Laundering Regulations 2017: Requirements for due diligence and prevention of money laundering in financial transactions.

Data Protection Act 2018: UK implementation of GDPR, governing the handling and protection of personal data in debt agreements and related documentation.