Consumer Credit Act 1974: Primary legislation governing consumer credit agreements in England and Wales. Essential for consumer lending contracts, covering licensing, form and content of agreements, and consumer protections.

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

Consumer Rights Act 2015: Legislation consolidating consumer protection law, particularly relevant for unfair terms in consumer contracts and transparency requirements.

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

Law of Property Act 1925: Fundamental legislation for secured lending, governing legal frameworks for property rights and securities.

FCA Handbook - CONC: Consumer Credit sourcebook providing detailed regulations for consumer credit activities and lending practices.

FCA Handbook - MCOB: Mortgage and Home Finance Conduct of Business sourcebook, essential for mortgage lending and home finance.

Money Laundering Regulations 2017: Regulations requiring lenders to implement measures preventing money laundering and terrorist financing.

Data Protection Act 2018: Legislation governing how personal data must be handled, including UK GDPR requirements for data protection in lending operations.

Equality Act 2010: Legislation preventing discrimination in the provision of services, including lending and financial services.

Financial Services (Banking Reform) Act 2013: Legislation implementing structural and regulatory reforms in the UK banking sector, affecting lending practices.

Consumer Protection from Unfair Trading Regulations 2008: Regulations protecting consumers from unfair commercial practices, including misleading actions or omissions in lending.

Lending Code: Voluntary industry standard for financial institutions, setting out good lending practices and customer treatment.

Banking Code: Industry guidelines establishing standards for banking practices, including lending activities and customer relationships.

UK Finance Guidelines: Industry body guidance providing standards and best practices for financial services, including lending operations.