Consumer Credit Act 1974: Primary legislation governing consumer credit agreements in England and Wales. Essential if the loan is being made to a consumer rather than a business.

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

Law of Property Act 1925: Fundamental legislation for loans secured against property, governing creation and enforcement of security interests.

Consumer Rights Act 2015: Modern legislation protecting consumer rights, including unfair terms in consumer contracts and agreements.

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

FCA Regulations: Financial Conduct Authority regulations governing financial services and consumer credit activities.

Consumer Credit sourcebook (CONC): Detailed rules and guidance for firms involved in consumer credit activities, part of the FCA handbook.

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

Public Notaries Act 1801: Historical legislation governing the appointment and powers of notaries public in England and Wales.

Notaries Practice Rules 2019: Current rules governing notarial practice and procedures in England and Wales.

European Union (Withdrawal) Act 2018: Brexit-related legislation affecting the application of EU-derived law in UK financial services.

Data Protection Act 2018: UK implementation of GDPR, governing handling of personal data in financial agreements.

Limitation Act 1980: Sets time limits for bringing legal actions, including enforcement of loan agreements.

Financial Services (Distance Marketing) Regulations 2004: Regulations governing financial services contracts made at a distance.

Electronic Communications Act 2000: Legislation governing the use of electronic signatures and communications in legal documents.