Consumer Credit Act 1974: Primary legislation governing consumer credit agreements in the UK. Essential if the line of credit is being offered to consumers rather than businesses.

Financial Services and Markets Act 2000: Establishes the regulatory framework for financial services in the UK, including the FCA's powers and responsibilities in regulating credit agreements.

Consumer Rights Act 2015: Provides protections for consumers and regulates unfair terms in consumer contracts, including financial agreements.

Unfair Contract Terms Act 1977: Controls unfair terms in contracts, particularly exclusion and limitation clauses, applicable to both business and consumer agreements.

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

FCA Handbook - CONC: Consumer Credit Sourcebook containing detailed rules and guidance for consumer credit firms.

Banking Act 2009: Regulates banking services and provides framework for bank regulation and oversight in the UK.

Payment Services Regulations 2017: Governs payment services, including rules about transparency of payment terms and conditions.

Money Laundering Regulations 2017: Sets requirements for customer due diligence and anti-money laundering procedures in financial transactions.

Late Payment of Commercial Debts Act 1998: Regulates interest charges on late payments in commercial transactions.

Law of Property Act 1925: Relevant for secured lending arrangements and property-related aspects of credit agreements.

UK GDPR and Data Protection Act 2018: Governs the processing of personal data and privacy rights of individuals in credit agreements.

Common Law Contract Principles: Fundamental principles of contract law including offer, acceptance, consideration, and capacity to contract.

Financial Collateral Arrangements Regulations 2003: Regulates security arrangements in financial transactions, particularly relevant for secured credit facilities.