Financial Services and Markets Act 2000: Primary legislation governing financial services regulation in the UK, establishing regulatory framework for financial activities including lending
Consumer Credit Act 1974: Regulates credit agreements with consumers, including mandatory terms and consumer protections in lending arrangements
Law of Property Act 1925: Fundamental legislation governing real property rights and security interests in England and Wales
Companies Act 2006: Primary legislation governing company operations, including registration of charges and corporate borrowing
Sale of Goods Act 1979: Legislation governing the sale of goods, relevant for inventory-based lending and asset-based finance
FCA Handbook: Regulatory guidelines including CONC (Consumer Credit sourcebook) containing detailed rules for credit-related regulated activities
UK Money Laundering Regulations 2017: Regulations requiring due diligence and verification procedures in financial transactions
Financial Collateral Arrangements (No.2) Regulations 2003: Regulations governing financial collateral arrangements and enforcement rights
Bills of Sale Acts 1878 and 1882: Historic legislation governing security over personal chattels, relevant for certain types of asset-based lending
Land Registration Act 2002: Legislation governing the registration of interests in land, relevant when real property forms part of the security package
Unfair Contract Terms Act 1977: Controls unfair terms in business contracts and limits ability to exclude certain liabilities
Consumer Rights Act 2015: Modern legislation protecting consumer rights, including unfair terms in consumer contracts
Enterprise Act 2002: Contains provisions regarding enforcement of security and insolvency proceedings
Insolvency Act 1986: Primary legislation governing corporate insolvency and security enforcement in insolvency scenarios
Small Business, Enterprise and Employment Act 2015: Legislation affecting lending to small businesses and related regulatory requirements
LMA Guidelines: Loan Market Association standards and recommended forms for loan documentation
ABFA Standards: Asset Based Finance Association industry standards and best practices for asset-based lending
