Consumer Credit Act 1974: Primary legislation governing consumer credit agreements in the UK, establishing the framework for consumer credit licensing, regulation of credit businesses, and consumer protection
Financial Services and Markets Act 2000: Key legislation establishing the regulatory framework for financial services in the UK, including credit-related activities and the powers of the Financial Conduct Authority
Consumer Rights Act 2015: Legislation consolidating consumer rights and protection, including unfair terms in consumer contracts and transparency requirements
Data Protection Act 2018: UK implementation of GDPR, governing how personal data must be handled in credit applications and agreements
Consumer Credit (Disclosure of Information) Regulations 2010: Secondary legislation specifying what information must be disclosed to consumers in credit agreements and how it should be presented
Consumer Credit (Agreements) Regulations 2010: Detailed requirements for the form and content of regulated credit agreements
Financial Services and Markets Act 2000 (Regulated Activities) Order 2001: Defines which credit activities require FCA authorization and regulation
FCA Consumer Credit Sourcebook (CONC): Regulatory handbook containing detailed rules and guidance for consumer credit firms
Money Laundering Regulations 2017: Requirements for identity verification and anti-money laundering procedures in financial services
Equality Act 2010: Legislation ensuring non-discrimination in the provision of credit and financial services
Unfair Contract Terms Act 1977: Legislation controlling unfair terms in contracts, particularly excluding or restricting liability
Electronic Communications Act 2000: Legal framework for electronic signatures and electronic communications in contractual arrangements
FCA Principles for Businesses (PRIN): Fundamental obligations for regulated firms, including treating customers fairly and maintaining proper standards of market conduct
Banking Conduct of Business Sourcebook (BCOBS): FCA handbook containing rules and guidance for banking and lending activities
Lending Code: Industry standard setting out good practice guidelines for credit providers and financial institutions
