Financial Services and Markets Act 2000: Primary legislation that regulates financial services in the UK, establishing the regulatory framework for mortgage lending and financial institutions
Consumer Credit Act 1974: Regulates credit agreements and provides consumer protections in credit transactions, including aspects of mortgage lending
Consumer Rights Act 2015: Consolidates consumer protection law, including unfair terms in consumer contracts and transparency requirements
Mortgage Credit Directive Order 2015: Implements EU rules on mortgage lending, establishing framework for mortgage credit and consumer protection in property finance
Housing Act 1988: Defines basic housing law framework in England and Wales, relevant for understanding property rights and obligations
FCA Regulations: Financial Conduct Authority's regulatory framework governing financial services, including specific rules for mortgage lenders
Mortgage Conduct of Business Rules (MCOB): Specific FCA rules governing how mortgage lenders must conduct business and treat customers
Consumer Credit Sourcebook (CONC): FCA handbook containing detailed rules and guidance for consumer credit activities
UK General Data Protection Regulation: Post-Brexit data protection legislation governing how personal data must be handled and protected
Data Protection Act 2018: UK's implementation of data protection standards, working alongside UK GDPR
Money Laundering Regulations 2017: Requirements for financial institutions to prevent and detect money laundering in property transactions
Proceeds of Crime Act 2002: Legislative framework for combating financial crime and money laundering in property transactions
Unfair Contract Terms Act 1977: Controls unfair terms in contracts, particularly relevant for consumer protection in loan agreements
Financial Services (Distance Marketing) Regulations 2004: Governs how financial services, including mortgages, can be marketed and sold remotely
Consumer Protection from Unfair Trading Regulations 2008: Prohibits unfair commercial practices and sets standards for business-to-consumer transactions
