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Consumer Credit Act 1974: Primary legislation regulating consumer credit and hire agreements, providing consumer rights regarding credit information and setting requirements for creditors and debt collectors

Data Protection Act 2018 and UK GDPR: Legislation controlling personal information usage by organizations, providing individuals rights to access and correct their data, particularly relevant for credit reporting

Financial Services and Markets Act 2000: Regulatory framework for financial services and markets, setting standards for financial institutions and debt collection practices

Financial Services Act 2012: Updated regulatory framework that created the Financial Conduct Authority (FCA) and modernized financial services regulation

FCA Consumer Credit sourcebook (CONC): Regulatory guidelines providing specific rules and guidance for credit-related regulated activities and debt collection practices

Limitation Act 1980: Legislation setting time limits for bringing claims, particularly relevant for determining statute-barred debts

Credit Information Providers Guidelines: Industry standards and best practices for credit reporting and dispute resolution procedures