Consumer Credit Act 1974: Primary legislation governing consumer credit agreements and protection of debtors' rights in England and Wales

Limitation Act 1980: Sets statutory time limits for bringing debt claims in England and Wales (generally 6 years for most debts)

Consumer Rights Act 2015: Consolidates key consumer rights and protection, including unfair contract terms in debt agreements

Data Protection Act 2018: UK implementation of GDPR, governing how personal data including financial information must be handled

Financial Services and Markets Act 2000: Establishes regulatory framework for financial services and consumer protection in the UK

FCA Handbook: Comprehensive guide containing rules and guidance for regulated firms, including debt collection practices

CONC Rules: Consumer Credit Sourcebook - Specific FCA rules governing consumer credit and debt collection activities

DISP Rules: Dispute Resolution: Complaints - FCA rules setting out how regulated firms should handle customer complaints

Pre-Action Protocol for Debt Claims: Court procedure rules that must be followed before starting court proceedings for debt recovery

TCF Principles: FCA's Treating Customers Fairly principles ensuring fair treatment of customers in financial services

Standards of Lending Practice: Industry-wide standards for good lending practice and treatment of customers in financial difficulty

Credit Services Association Code of Practice: Industry guidelines for debt collection agencies and debt purchasers

Protection from Harassment Act 1997: Legislation protecting individuals from harassment, including in debt collection practices