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Financial Services and Markets Act 2000: Primary legislation governing financial services regulation in the UK, including mortgage lending and financial authorizations

Consumer Credit Act 1974: Regulates consumer credit and lending, providing consumer protection in credit transactions

Housing Act 2004: Legislation covering various aspects of housing law including standards and regulations relevant to property transactions

Data Protection Act 2018: UK implementation of GDPR, governing how personal data must be handled and protected in financial transactions

FCA Regulations: Financial Conduct Authority's regulatory framework overseeing financial services and ensuring consumer protection

Mortgage Conduct of Business (MCOB): Specific rules governing how mortgage lenders and advisers must deal with customers

Consumer Credit Sourcebook (CONC): FCA handbook containing detailed rules and guidance for consumer credit activities

Mortgage Credit Directive Order 2015: UK implementation of EU rules standardizing mortgage credit agreements and information requirements

Financial Services and Markets Act 2000 (Regulated Activities) Order 2001: Specifies which activities require FCA authorization, including mortgage-related activities

Consumer Rights Act 2015: Consolidates consumer protection law, including unfair terms in consumer contracts

Anti-Money Laundering Regulations 2017: Requirements for identity verification and prevention of financial crime in lending transactions

Unfair Terms in Consumer Contracts Regulations 1999: Protects consumers against unfair standard terms in contracts with traders

Financial Services (Distance Marketing) Regulations 2004: Governs how financial services, including mortgages, can be marketed and sold at a distance