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Consumer Credit Act 1974: Primary legislation governing consumer credit agreements and consumer lending. Applies when borrowers are individuals rather than companies.

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

Companies Act 2006: Principal legislation governing company operations in the UK, relevant for corporate borrowers in the group loan agreement.

Unfair Contract Terms Act 1977: Legislation controlling unfair terms in contracts, particularly excluding or restricting liability.

Consumer Rights Act 2015: Legislation protecting consumer rights, applicable if any borrowers are consumers rather than businesses.

FCA Regulations: Financial Conduct Authority regulations and guidelines governing financial services and consumer protection.

PRA Requirements: Prudential Regulation Authority requirements focusing on financial stability and prudential regulation of financial institutions.

Money Laundering Regulations 2017: Regulations requiring due diligence and verification procedures to prevent money laundering.

Data Protection Act 2018: Legislation governing the processing and handling of personal data, including UK GDPR requirements.

Contracts (Rights of Third Parties) Act 1999: Legislation governing how third parties may enforce terms of a contract.

Law of Property Act 1925: Fundamental property law legislation, relevant if the loan agreement involves secured lending.

Insolvency Act 1986: Legislation governing insolvency proceedings and creditor rights in case of borrower default.

Financial Collateral Arrangements (No.2) Regulations 2003: Regulations governing financial collateral arrangements and security interests.

Contract Formation Principles: Common law principles governing contract formation, including offer, acceptance, consideration, and intention to create legal relations.

Principles of Equity: Common law principles providing fairness and justice where strict legal rules may be insufficient.

Assignment and Novation Rules: Common law principles governing the transfer of rights and obligations under the loan agreement.

Security and Guarantees Principles: Common law principles governing the creation and enforcement of security interests and guarantees.