Consumer Credit Act 1974: Primary legislation governing consumer credit agreements and consumer lending in England and Wales. Essential for any loan agreement involving individual consumers.

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

Law of Property Act 1925: Key legislation relevant when the loan is secured against property, governing the creation and enforcement of security interests.

Consumer Rights Act 2015: Legislation protecting consumer rights and regulating unfair terms in consumer contracts, including loan agreements.

FCA Regulations: Financial Conduct Authority regulations providing detailed rules and guidance for lending practices and consumer protection.

PRA Requirements: Prudential Regulation Authority requirements governing financial institutions' stability and risk management in lending activities.

UK Money Laundering Regulations 2017: Regulations requiring lenders to implement anti-money laundering controls and conduct appropriate due diligence.

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

Contracts (Rights of Third Parties) Act 1999: Legislation governing how third parties may enforce terms of a contract, including loan agreements.

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.

GDPR Requirements: Data protection requirements governing the collection, processing, and storage of personal data in lending relationships.