Consumer Credit Act 1974: Primary legislation regulating consumer credit agreements, defining requirements for form and content of agreements, and establishing consumer rights and protections

Financial Services and Markets Act 2000: Regulates financial services activities, sets requirements for FCA authorization, and establishes financial promotions rules

Consumer Rights Act 2015: Covers unfair contract terms, quality of goods provisions, and consumer remedies in financial agreements

Supply of Goods and Services Act 1982: Establishes quality standards for vehicles and fitness for purpose provisions in sale and supply contracts

FCA Handbook: Regulatory framework including Consumer Credit sourcebook (CONC), conduct of business rules, and treating customers fairly principles

Consumer Protection from Unfair Trading Regulations 2008: Prohibits unfair commercial practices and misleading actions or omissions in trading activities

Data Protection Act 2018 / UK GDPR: Governs the processing of personal data and privacy notice requirements in financial contracts

Financial Services (Distance Marketing) Regulations 2004: Specific requirements for financial service agreements concluded at a distance

Misrepresentation Act 1967: Deals with false statements and misrepresentations in contract formation

Hire Purchase Act 1964: Specific legislation governing hire purchase agreements, relevant if the vehicle finance is structured as hire purchase