Consumer Credit Act 1974: Primary legislation governing consumer credit agreements in England and Wales. Relevant if the borrower is a consumer rather than a business entity.

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

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

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

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

FCA Regulations: Regulatory requirements set by the Financial Conduct Authority for financial services and products.

Consumer Credit sourcebook (CONC): Part of the FCA handbook containing detailed rules and guidance for consumer credit activities.

Consumer Protection from Unfair Trading Regulations 2008: Prohibits unfair commercial practices between traders and consumers.

Common Law Contract Principles: Fundamental principles governing contract formation, including offer, acceptance, consideration, and intention to create legal relations.

Money Laundering Regulations 2017: Requirements for due diligence and prevention of money laundering in financial transactions.

Data Protection Act 2018: UK's implementation of data protection requirements, working alongside UK GDPR.

Financial Services (Distance Marketing) Regulations 2004: Regulates the distance marketing of financial services to consumers.

Late Payment of Commercial Debts (Interest) Act 1998: Provides for statutory interest on late payments in commercial transactions.