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Consumer Credit Act 1974: Primary legislation governing credit agreements and their termination in England and Wales. Sets out fundamental rights and obligations of creditors and debtors, including provisions for account termination.

Administration of Estates Act 1925: Fundamental legislation that defines how estates should be administered after death and establishes the legal authority of executors or administrators to act on behalf of the deceased.

Deceased Persons' Estate (Small Payments) Act 1965: Legislation specifically relevant for handling smaller estates, providing simplified procedures for dealing with deceased persons' assets including credit card accounts.

Financial Services and Markets Act 2000: Regulatory framework for financial institutions in the UK, including specific provisions about handling deceased customers' accounts and financial products.

Data Protection Act 2018 and UK GDPR: Legislative framework governing the handling of personal information, including provisions relevant to deceased individuals' data protection rights.

FCA Handbook (CONC): Consumer Credit sourcebook containing specific regulatory rules and guidance about handling credit accounts and treatment of deceased customers.

Payment Services Regulations 2017: Regulations governing payment services including credit cards, with specific provisions about service termination and handling of payment accounts.

Banking Code of Practice: Industry guidelines and standards for banks and financial institutions, including protocols for handling deceased customers' accounts.

Credit Card Terms and Conditions: Individual card issuer's specific contractual terms that govern the credit card agreement and cancellation procedures upon death.

Probate Rules: Legal procedures and requirements for proving and registering wills and administering estates, affecting how credit card accounts can be cancelled.