Consumer Credit Act 1974: Primary legislation governing consumer credit agreements in England and Wales. Essential when the borrower is a consumer, covering licensing, regulation of credit agreements, and consumer protections.

Financial Services and Markets Act 2000: Fundamental legislation establishing the regulatory framework for financial services in the UK, including credit-related regulated activities.

Consumer Rights Act 2015: Key legislation ensuring fairness in consumer contracts, including credit agreements, and providing consumer protection measures.

Unfair Contract Terms Act 1977: Legislation controlling unfair terms in contracts, particularly exclusion and limitation clauses, applicable to credit agreements.

Contracts (Rights of Third Parties) Act 1999: Legislation governing how third parties may enforce terms of a contract, relevant for assignments and transfers in credit agreements.

FCA Handbook - CONC: Consumer Credit Sourcebook containing detailed regulations and guidance for consumer credit activities, essential for regulatory compliance.

FCA Handbook - MCOB: Mortgage and Home Finance Conduct of Business Sourcebook, relevant if the credit facility is secured against property.

UK Consumer Credit Regulations 2010: Detailed regulations supplementing the Consumer Credit Act, specifying requirements for credit agreements.

Money Laundering Regulations 2017: Regulations requiring credit providers to implement anti-money laundering controls and customer due diligence measures.

Data Protection Act 2018 and UK GDPR: Legislation governing the processing of personal data, crucial for handling borrower information and credit checks.

Late Payment of Commercial Debts (Interest) Act 1998: Legislation concerning interest on late payments in commercial transactions, relevant for business lending.

Small Business, Enterprise and Employment Act 2015: Legislation affecting business lending and credit relationships with small businesses.

Financial Services and Markets Act 2000 (Regulated Activities) Order 2001: Order specifying which credit activities require FCA authorization and regulation.

The Consumer Protection from Unfair Trading Regulations 2008: Regulations protecting consumers from unfair commercial practices, including in credit marketing and agreements.