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

Financial Services and Markets Act 2000: Key legislation regulating financial services and markets in the UK, establishing the regulatory framework for financial activities.

Law of Property (Miscellaneous Provisions) Act 1989: Legislation governing formalities for creating certain types of legal documents and property-related contracts.

Contracts (Rights of Third Parties) Act 1999: Legislation determining how and when third parties may enforce terms of a contract to which they are not originally party.

Limitation Act 1980: Sets out the time limits within which various types of legal claims must be brought, including debt claims.

FCA Regulations: Financial Conduct Authority regulations applicable to commercial lending and credit activities in the UK.

Consumer Credit sourcebook (CONC): Part of the FCA handbook containing detailed rules and guidance for firms carrying on credit-related regulated activities.

Financial Services and Markets Act 2000 (Regulated Activities) Order 2001: Specifies which activities require FCA authorization and regulation in the financial services sector.

Common Law Contract Principles: Fundamental principles of contract formation including offer, acceptance, consideration, and intention to create legal relations.

Unfair Contract Terms Act 1977: Regulates contracts by restricting how far civil liability for breach of contract can be avoided using contract terms.

Consumer Rights Act 2015: Consolidates consumer protection legislation, particularly relevant if the loan agreement involves consumers.

Money Laundering Regulations 2017: Regulations requiring certain due diligence and record-keeping procedures for financial transactions to prevent money laundering.