Consumer Credit Act 1974: Primary legislation regulating consumer credit and hire agreements, setting requirements for fair treatment of debtors and defining collection practices and communication requirements

Financial Services and Markets Act 2000: Overarching legislation for financial services regulation, including debt collection activities within its regulatory scope

Data Protection Act 2018 and UK GDPR: Legislation governing the processing and handling of personal information, including how debtor information can be used and shared

FCA Regulations (CONC): Regulatory guidelines including Consumer Credit Sourcebook rules, requirements for fair customer treatment, and standards for clear and non-misleading communications

Administration of Justice Act 1970: Contains Section 40 which specifically prohibits harassment of debtors and defines harassing behavior in debt collection context

Protection from Harassment Act 1997: General legislation against harassment that applies to debt collection practices and communications

Late Payment of Commercial Debts (Interest) Act 1998: Legislation governing business debts, statutory interest charges and compensation for late payments

Consumer Rights Act 2015: Ensures fairness in consumer contracts and impacts how debt collection terms can be enforced