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Financial Services and Markets Act 2000: Primary legislation that regulates financial services and markets, establishes regulatory framework, and determines whether the loan constitutes a regulated activity

Consumer Credit Act 1974: Governs consumer credit arrangements, including consumer protection provisions, credit agreement requirements, and cooling-off periods (if applicable to individual borrowers)

Law of Property Act 1925: Relevant for secured lending, covering requirements for security interests, mortgage provisions, and property rights

FCA Regulations: Financial Conduct Authority regulations covering conduct of business rules, financial promotion rules, and consumer protection requirements

PRA Requirements: Prudential Regulation Authority requirements covering capital adequacy requirements and risk management standards

Companies Act 2006: Governs corporate borrower requirements, director's duties, and company registration details

Money Laundering Regulations 2017: Covers due diligence requirements and Know Your Customer (KYC) obligations

Unfair Contract Terms Act 1977: Regulates fairness of contract terms and limitation of liability provisions

Misrepresentation Act 1967: Covers warranties and representations and remedies for misrepresentation in contracts

Financial Collateral Arrangements (No.2) Regulations 2003: Applicable when financial collateral is involved in the loan agreement

Consumer Rights Act 2015: Governs unfair terms and consumer protection (if applicable to consumer borrowers)

LMA Standards: Loan Market Association standards providing guidance on standard documentation and market practices