Consumer Credit Act 1974: Primary legislation regulating consumer credit agreements, including requirements for form and content, cooling-off periods, and early repayment rights. Applies when the loan is to a consumer rather than a business.

Consumer Rights Act 2015: Legislation governing unfair terms provisions, transparency requirements, and fairness test for contract terms in consumer agreements.

Financial Services and Markets Act 2000: Establishes the regulatory framework for financial services, including requirements for FCA authorization if the lender is providing credit as a business.

Consumer Protection from Unfair Trading Regulations 2008: Regulations prohibiting unfair commercial practices and ensuring transparency in financial dealings.

Limitation Act 1980: Sets time limits for bringing claims and is relevant to repayment terms and enforcement of the loan agreement.

Financial Services (Distance Marketing) Regulations 2004: Regulations applicable when the loan agreement is concluded at distance, providing additional consumer protections.

Data Protection Act 2018 and UK GDPR: Legislation governing the handling of personal information, including requirements for privacy notices and data processing.

Money Laundering Regulations 2017: Regulations setting out anti-money laundering requirements, including Know Your Customer (KYC) procedures where applicable.

Common Law Principles: Fundamental legal principles governing contract formation, consideration, capacity to contract, and misrepresentation.