Consumer Credit Act 1974: Primary legislation governing consumer credit agreements. Must be considered if the borrower is a consumer, covering aspects of credit regulation, licensing, and consumer protections.

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

Law of Property Act 1925: Fundamental legislation governing property rights and securities in England and Wales, relevant for secured promissory notes.

Limitation Act 1980: Sets statutory time limits for bringing legal actions to enforce debts and other claims under the promissory note.

FCA Regulations: Financial Conduct Authority rules and guidelines governing regulated credit activities and lending practices.

Consumer Credit sourcebook (CONC): Detailed rules and guidance for firms carrying out consumer credit activities, including requirements for documentation and disclosure.

UK Money Laundering Regulations 2017: Requirements for due diligence and verification procedures in financial transactions to prevent money laundering.

Late Payment of Commercial Debts (Interest) Act 1998: Legislation governing interest charges on late payments in commercial transactions.

Consumer Rights Act 2015: Key legislation protecting consumer rights and defining unfair terms in consumer contracts, including provisions about interest rates and charges.

Unfair Contract Terms Act 1977: Controls the use of exclusion and limitation clauses in contracts, ensuring fairness in contractual relationships.

Unfair Terms in Consumer Contracts Regulations 1999: Protects consumers against unfair standard terms in contracts, including those related to interest rates and payment terms.

Consumer Protection from Unfair Trading Regulations 2008: Prohibits unfair commercial practices and requires transparency in business-to-consumer transactions.