Consumer Credit Act 1974: Primary legislation governing consumer credit agreements, including requirements for form and content of credit agreements, cooling-off periods, and disclosure requirements for loans to private individuals

Consumer Rights Act 2015: Legislation ensuring fairness and transparency in consumer contracts, including protection against unfair terms and conditions in loan agreements

Financial Services and Markets Act 2000: Regulatory framework for financial services, particularly relevant if the lender's activities fall under regulated financial services

Limitation Act 1980: Establishes time limits for bringing claims and statute of limitations for debt recovery in England and Wales

Unfair Contract Terms Act 1977: Controls the use of exclusion clauses in contracts and establishes requirements for reasonableness in contractual terms

Money Laundering Regulations 2017: Sets out due diligence requirements and record-keeping obligations for financial transactions to prevent money laundering

Data Protection Act 2018 / UK GDPR: Governs the handling of personal information and privacy requirements in financial agreements

Financial Services (Distance Marketing) Regulations 2004: Specific requirements for financial services agreements made at a distance rather than face-to-face

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

FCA Regulations: Financial Conduct Authority regulations governing financial services and consumer protection in lending activities