Consumer Credit Act 1974: Primary legislation governing consumer credit agreements, including requirements for form and content of credit agreements, licensing of lenders, and consumer protections
Financial Services and Markets Act 2000: Establishes the regulatory framework for financial services in the UK, including banking services and consumer credit activities
Consumer Rights Act 2015: Sets out consumer rights and protections, including provisions about unfair terms in consumer contracts and transparency requirements
Unfair Contract Terms Act 1977: Regulates unfair terms in contracts, particularly exclusion and limitation clauses
Consumer Protection from Unfair Trading Regulations 2008: Prohibits unfair commercial practices between traders and consumers, including misleading actions and aggressive practices
Banking Act 2009: Provides the framework for banking regulation and oversight in the UK, including provisions for bank insolvency and administration
Financial Services (Banking Reform) Act 2013: Implements key banking reforms including ring-fencing of retail banking from investment banking activities
Payment Services Regulations 2017: Regulates payment services, including requirements for payment service providers and protection of customer funds
FCA Handbook: Detailed regulatory requirements and guidance issued by the Financial Conduct Authority for financial services firms
PRA Requirements: Prudential standards and requirements set by the Prudential Regulation Authority for banks and financial institutions
BCOBS: Banking Conduct of Business Sourcebook - Contains specific rules and guidance for retail banking activities
CONC: Consumer Credit Sourcebook - Detailed rules and guidance for consumer credit activities and consumer protection
Data Protection Act 2018: UK's implementation of data protection requirements, including UK GDPR provisions for handling personal data
Money Laundering Regulations 2017: Requirements for prevention of money laundering and terrorist financing in financial services
Financial Services (Distance Marketing) Regulations 2004: Regulates the distance marketing of financial services to consumers, including information requirements and right to cancel
Equality Act 2010: Prohibits discrimination in the provision of services, including financial services and lending
Common Law Contract Principles: Fundamental principles of contract law including offer, acceptance, consideration, and intention to create legal relations
Doctrine of Undue Influence: Common law principle protecting parties from agreements made under inappropriate pressure or influence
Principles of Misrepresentation: Legal principles dealing with false statements or representations that induce parties to enter into contracts
