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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: Establishes the regulatory framework for financial services in the UK, including lending activities and the FCA's supervisory powers.

Consumer Rights Act 2015: Sets out consumer rights and protections, including provisions about unfair terms in consumer contracts and transparency requirements.

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

Late Payment of Commercial Debts (Interest) Act 1998: Provides for statutory interest on late payments in commercial transactions and sets out rules for interest calculations.

Consumer Credit (Early Settlement) Regulations 2004: Governs how early repayment of loans should be handled and how rebates of interest should be calculated.

Law of Property Act 1925: Fundamental legislation governing secured lending and property rights in England and Wales.

Consumer Credit (Enforcement, Default and Termination Notices) Regulations 1983: Specifies requirements for notices relating to enforcement, default, and termination of credit agreements.

Proceeds of Crime Act 2002: Sets out anti-money laundering requirements and obligations for financial transactions including loans.

Money Laundering Regulations 2017: Details specific requirements for customer due diligence and anti-money laundering procedures in financial transactions.

UK GDPR: Post-Brexit data protection regulation governing how personal data must be handled in loan documentation and processing.

Data Protection Act 2018: UK's implementation of data protection requirements, working alongside UK GDPR to regulate personal data handling.

Small Business, Enterprise and Employment Act 2015: Relevant for commercial lending, particularly regarding small business loans and transparency requirements.

Enterprise Act 2002: Contains provisions affecting business lending and enterprise, including insolvency provisions.

Unfair Terms in Consumer Contracts Regulations 1999: Though largely superseded by the Consumer Rights Act 2015, still relevant for understanding unfair terms in consumer contracts.