Consumer Credit Act 1974: Primary legislation regulating credit agreements and hire purchase, including documentation requirements, cooling-off periods, and consumer protections

Consumer Rights Act 2015: Legislation covering quality of goods and services, consumer rights regarding defective vehicles, and definitions of unfair contract terms

Financial Services and Markets Act 2000: Regulatory framework for financial services and activities, including requirements for FCA authorization where applicable

FCA Regulations: Regulatory requirements including CONC rules, treating customers fairly principles, affordability assessments, and complaints handling procedures

Data Protection Act 2018 and UK GDPR: Legislation governing protection of personal data, privacy notices, consent requirements, and data processing obligations

Unfair Contract Terms Act 1977: Legislation controlling unfair terms in contracts and limitations on liability exclusions

Financial Services (Distance Marketing) Regulations 2004: Regulations applicable when agreements are made remotely

Misrepresentation Act 1967: Legal framework providing protections against false statements or misrepresentation in contracts

Supply of Goods and Services Act 1982: Legislation setting quality standards for goods and services