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

Financial Services and Markets Act 2000: Establishes the regulatory framework for financial services in the UK, including lending activities and the powers of the Financial Conduct Authority.

Law of Property Act 1925: Although primarily concerned with real property, contains provisions relevant to the creation and enforcement of legal rights in relation to loans.

Unfair Contract Terms Act 1977: Controls the use of unfair terms in contracts, particularly exclusion and limitation clauses, applying to both consumer and business contracts.

Consumer Rights Act 2015: Provides protection for consumers and defines unfair terms in consumer contracts, relevant if the borrower is a consumer.

FCA Regulations: Regulatory requirements set by the Financial Conduct Authority governing lending practices and consumer protection in financial services.

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

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

Late Payment of Commercial Debts (Interest) Act 1998: Governs the charging of interest on late payments in commercial transactions.

Unfair Terms in Consumer Contracts Regulations 1999: Protects consumers against unfair standard terms in contracts with sellers or suppliers.

Data Protection Act 2018: Regulates the processing of personal data and implements UK GDPR requirements, relevant for handling borrower information.

Money Laundering Regulations 2017: Sets out obligations for lenders regarding anti-money laundering checks and procedures.

Limitation Act 1980: Establishes time limits within which legal actions relating to the loan agreement must be brought.

Contracts (Rights of Third Parties) Act 1999: Governs the rights of third parties to enforce terms of contracts, including loan agreements.

Financial Services (Distance Marketing) Regulations 2004: Applies to loans arranged at a distance (e.g., online or by phone), setting out specific requirements for such agreements.

Electronic Communications Act 2000: Provides legal framework for electronic signatures and electronic contracts if the loan agreement is to be executed electronically.