Financial Services and Markets Act 2000: Primary legislation governing financial services regulation in the UK, establishing the regulatory framework for mortgage lending and financial services

Consumer Credit Act 1974: Regulates credit agreements and provides consumer protections in lending arrangements, including aspects of mortgage lending

Consumer Rights Act 2015: Sets out key consumer rights and protections, including rules about unfair terms in consumer contracts and transparency requirements

Data Protection Act 2018: UK implementation of GDPR, governing how personal data must be handled, stored, and processed in mortgage applications

Equality Act 2010: Ensures non-discrimination in financial services, including mortgage lending, across protected characteristics

FCA Mortgage Conduct of Business Rules: Detailed regulatory requirements for mortgage lenders, including conduct standards, disclosure requirements, and lending practices

The Mortgage Credit Directive Order 2015: Implements EU mortgage credit directive, standardizing mortgage information and ensuring responsible lending practices

Money Laundering Regulations 2017: Requirements for customer due diligence, risk assessment, and anti-money laundering procedures in mortgage lending

ESIS Requirements: European Standardised Information Sheet requirements for providing standardized pre-contractual information to mortgage applicants

APRC Calculation Rules: Standardized method for calculating the Annual Percentage Rate of Charge for mortgage products

Financial Promotions Rules: Regulations governing how mortgage products can be marketed and advertised to consumers

Unfair Contract Terms Legislation: Rules preventing unfair terms in consumer contracts, including mortgage agreements