Consumer Credit Act 1974: Primary legislation governing consumer credit agreements and consumer lending in England and Wales. Sets out the framework for regulation of credit agreements, licensing requirements, 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 the Financial Conduct Authority (FCA).

Consumer Rights Act 2015: Legislation consolidating consumer protection law, including unfair terms in consumer contracts and the transparency requirements in consumer lending.

Unfair Contract Terms Act 1977: Regulates unfair terms in contracts, particularly exclusion and limitation clauses, ensuring fairness in contractual relationships.

Contracts (Rights of Third Parties) Act 1999: Governs how third parties may enforce terms of a contract, relevant for loan agreements involving guarantors or security arrangements.

FCA Handbook (CONC): Regulatory sourcebook containing detailed rules and guidance for consumer credit activities, including specific requirements for loan agreements.

Financial Services and Markets Act 2000 (Regulated Activities) Order 2001: Specifies which activities require FCA authorization, including various forms of lending and credit activities.

Consumer Credit (Disclosure of Information) Regulations 2010: Details the specific information that must be disclosed to consumers in credit agreements, including APR and other key terms.

Financial Services (Distance Marketing) Regulations 2004: Regulates how financial services, including loans, can be marketed and concluded at a distance (online or phone).

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

Data Protection Act 2018 and UK GDPR: Governs how personal data must be handled, particularly relevant for customer information in loan agreements.

Consumer Protection from Unfair Trading Regulations 2008: Prohibits unfair commercial practices, including misleading actions or omissions in the context of loan marketing and agreements.

Late Payment of Commercial Debts (Interest) Act 1998: Establishes the right to claim interest on late payments in commercial transactions, relevant for business loans.

Common Law - Contract Formation: Legal principles governing offer, acceptance, consideration, and intention to create legal relations in contract formation.

Common Law - Misrepresentation: Legal principles dealing with false statements made during contract negotiation that induce parties to enter into agreements.

Common Law - Enforcement and Remedies: Legal principles governing the enforcement of contractual obligations and remedies available for breach of contract.