Law of Property Act 1925: Fundamental legislation governing property law in England and Wales, including requirements for creation of legal charges and enforceable security interests

Bills of Exchange Act 1882: Core legislation governing negotiable instruments, including legal requirements for promissory notes, their form and content, and the rights and obligations of parties

Consumer Credit Act 1974: Legislation governing consumer credit arrangements, including regulatory requirements, disclosure obligations, and unfair relationship provisions (applicable if borrower is a consumer)

Financial Services and Markets Act 2000: Regulatory framework legislation for financial services, relevant if the note is considered a regulated activity and setting requirements for regulated entities

Unfair Contract Terms Act 1977: Legislation governing contractual fairness, including restrictions on exclusion clauses and reasonableness requirements in contracts

Common Law Principles: Fundamental legal principles including consideration requirements, capacity to contract, and intention to create legal relations

FCA Regulations: Financial Conduct Authority regulations covering consumer protection requirements and financial promotion rules where applicable

Statute of Frauds 1677: Historical legislation still relevant today, requiring certain contracts to be evidenced in writing

Limitation Act 1980: Legislation setting statutory time limits for enforcement of contractual rights and legal actions