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

Financial Services and Markets Act 2000: Key legislation regulating financial services in the UK, establishing regulatory framework and requirements for financial activities including lending.

Law of Property Act 1925: Fundamental legislation concerning real property law, particularly relevant for security interests in real estate and mortgage provisions.

Companies Act 2006: Principal legislation governing company operations in the UK, relevant when the borrower is a company, particularly regarding registration of charges and corporate authority.

Enterprise Act 2002: Contains important provisions regarding enforcement of security and insolvency proceedings.

FCA Regulations: Regulatory framework established by the Financial Conduct Authority, providing detailed rules and guidance for financial services firms.

Consumer Credit sourcebook (CONC): Part of the FCA handbook providing detailed rules and guidance for consumer credit activities.

Regulated Activities Order 2001: Specifies which activities require FCA authorization, including certain lending and credit activities.

Unfair Contract Terms Act 1977: Controls the use of unfair terms in contracts, particularly relevant for standard form contracts and exclusion clauses.

Consumer Rights Act 2015: Modern legislation consolidating consumer rights, particularly relevant if the loan agreement is consumer-facing.

Financial Collateral Arrangements Regulations 2003: Governs arrangements involving financial collateral between certain types of entities.

Bills of Sale Acts 1878 and 1882: Historic legislation still relevant for certain types of security over personal property.

Land Registration Act 2002: Governs the registration of land and charges over land in England and Wales.

Money Laundering Regulations 2017: Sets out obligations for regulated entities regarding anti-money laundering and customer due diligence.

Data Protection Act 2018: Implements UK GDPR requirements, crucial for handling personal data in the lending process.

Consumer Protection from Unfair Trading Regulations 2008: Prohibits unfair commercial practices, relevant for marketing and execution of consumer loans.