Consumer Credit Act 1974: Primary legislation governing consumer credit agreements in England and Wales. Essential 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.

Bills of Exchange Act 1882: Historical but still relevant legislation that governs promissory notes, bills of exchange, and other negotiable instruments in the UK.

Unfair Contract Terms Act 1977: Legislation that restricts how businesses can exclude or limit their liability in contracts, ensuring fairness in contractual terms.

Consumer Rights Act 2015: Modern legislation protecting consumer rights, particularly relevant if the credit facility is being provided to a consumer.

FCA Handbook: Regulatory guidelines from the Financial Conduct Authority, particularly the Consumer Credit sourcebook (CONC), providing detailed rules for credit agreements.

UK Money Laundering Regulations 2017: Regulations requiring proper due diligence and verification procedures in financial transactions to prevent money laundering.

Bank of England Regulations: Central bank regulations governing credit facilities and banking operations in the UK.

Common Law Principles: Established case law and legal principles regarding contracts and promissory notes in England and Wales.

Data Protection Act 2018: UK implementation of GDPR, governing how personal data must be handled in financial agreements and documentation.

Interest Rate Regulations: Rules and restrictions governing interest rates and charges in credit agreements to prevent usury and unfair practices.

Consumer Protection Regulations: Various regulations aimed at protecting consumers in financial transactions and agreements.