Consumer Credit Act 1974: Primary legislation governing consumer credit agreements in England and Wales. Essential if the borrower is an individual/consumer rather than a business entity.

Financial Services and Markets Act 2000: Key legislation regulating financial services and markets in the UK, including lending activities and financial promotions.

Consumer Rights Act 2015: Legislation protecting consumer rights in the UK, particularly relevant for consumer lending agreements and unfair terms.

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

Law of Property Act 1925: Relevant legislation if the loan is secured against property, governing how security interests are created and enforced.

FCA Regulations: Financial Conduct Authority regulations governing conduct of financial services firms, including specific rules for lending.

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

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

Interest Rate Regulations: Rules governing interest rates, including restrictions on usury and requirements for calculation and disclosure.

Data Protection Requirements: GDPR and Data Protection Act 2018 requirements for handling personal data in lending agreements.

Anti-Money Laundering Regulations: Requirements for customer due diligence and preventing financial crime in lending transactions.