Bills of Exchange Act 1882: Fundamental UK legislation governing negotiable instruments, defining requirements for valid promissory notes and setting out rights and obligations of parties

Consumer Credit Act 1974: Regulates consumer credit agreements, provides protection for consumer borrowers, and sets requirements for documentation and disclosure if the note involves a consumer

Law of Property Act 1925: Relevant for secured promissory notes, governing the creation and enforcement of security interests against property

Contract Law Fundamentals: Common law principles covering offer, acceptance, consideration, intention to create legal relations, and capacity to contract

Doctrine of Incorporation: Common law principle requiring terms to be clearly stated and payment terms to be unambiguous in the agreement

Financial Services and Markets Act 2000: Regulatory framework applicable if the promissory note is part of regulated financial activity

FCA Regulations: Additional regulatory requirements applicable if the lender is a regulated entity under Financial Conduct Authority supervision