Consumer Credit Act 1974: Primary legislation governing consumer credit agreements in England and Wales. Relevant if the borrower is a consumer, setting out requirements for credit agreements, disclosure obligations, and consumer protections.

Law of Property Act 1925: Fundamental legislation governing property law in England and Wales, relevant for any security interests or property-related aspects of the promissory note.

Bills of Exchange Act 1882: Historical but still relevant legislation governing negotiable instruments including promissory notes, defining their formal requirements and legal effects.

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

FCA Regulations: Financial Conduct Authority regulations governing regulated credit activities, including requirements for fair treatment of customers and regulatory compliance.

Consumer Rights Act 2015: Modern legislation consolidating consumer rights and protections, relevant if the borrower is a consumer, particularly regarding unfair terms.

Unfair Contract Terms Act 1977: Legislation controlling unfair terms in contracts, particularly exclusion clauses and limitations of liability.

Unfair Terms in Consumer Contracts Regulations 1999: Specific regulations protecting consumers from unfair terms in contracts, requiring terms to be fair and transparent.

Interest Rate Regulations: Various regulations and case law governing permissible interest rates and the prevention of usurious lending practices.

Truth in Lending Requirements: Disclosure requirements ensuring borrowers receive clear and accurate information about loan terms, costs, and obligations.

Balloon Payment Regulations: Specific requirements for disclosure and structuring of balloon payments, ensuring borrowers understand the final payment obligations.