Financial Services and Markets Act 2000: Key legislation governing financial services in the UK. Important for determining if the loan constitutes a regulated activity or regulated credit agreement. Must be considered especially if any party is engaging in regulated activities.

Consumer Credit Act 1974: Crucial legislation if one party is a consumer rather than a business. Sets out regulatory requirements for consumer lending and consumer protection measures.

Law of Property Act 1925: Primary legislation governing property law in England and Wales. Particularly relevant if the loan is secured against property.

Companies Act 2006: Core company law legislation covering corporate capacity, authority, registration requirements, and directors' duties that must be considered in corporate lending.

Insolvency Act 1986: Critical for limited recourse provisions, defining creditor rights and priorities, and establishing insolvency remoteness considerations.

FCA Regulations and Handbook: Regulatory framework that must be followed if the lender is a regulated entity, including conduct of business rules and regulatory compliance requirements.

Money Laundering Regulations 2017: Regulations governing KYC requirements and due diligence obligations that must be followed in lending relationships.

Contract Law Principles: Common law principles covering offer, acceptance, consideration, intention to create legal relations, and certainty of terms.

Equitable Principles: Common law principles of equity particularly relevant for security arrangements and fairness in contractual relationships.