Consumer Credit Act 1974: Primary legislation governing consumer credit agreements in England and Wales. Applicable if the loan is to an individual rather than a business.

Financial Services and Markets Act 2000: Fundamental legislation establishing the regulatory framework for financial services in the UK, including lending activities.

Law of Property Act 1925: Legislation governing property rights and interests, relevant for any security interests in the loan agreement.

Limitation Act 1980: Establishes time limits for enforcing legal rights, including the recovery of debts and loans.

Bills of Exchange Act 1882: Historic legislation setting out the legal framework for negotiable instruments, including promissory notes.

FCA Regulations: Financial Conduct Authority regulatory requirements governing financial services and consumer protection.

CONC Rules: Consumer Credit sourcebook rules providing detailed regulations for consumer credit activities.

UK Money Laundering Regulations 2017: Regulations requiring proper due diligence and monitoring of financial transactions to prevent money laundering.

Data Protection Act 2018: UK implementation of GDPR, governing how personal data must be handled and protected.

Consumer Rights Act 2015: Legislation protecting consumer rights and regulating unfair contract terms in consumer agreements.

Unfair Contract Terms Act 1977: Controls the use of exclusion and limitation clauses in contracts.

Unfair Terms in Consumer Contracts Regulations 1999: Specific regulations protecting consumers from unfair terms in standard form contracts.

Common Law Contract Principles: Fundamental principles including offer, acceptance, consideration, and intention to create legal relations.