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Consumer Credit Act 1974: Primary legislation governing consumer credit agreements and consumer lending in the UK. Essential for consumer loan agreements.

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

Consumer Rights Act 2015: Legislation protecting consumer rights and defining unfair terms in consumer contracts, including loan agreements.

Unfair Contract Terms Act 1977: Regulates unfair terms in contracts and limits how far civil liability for breach of contract can be avoided.

Consumer Protection from Unfair Trading Regulations 2008: Prohibits unfair commercial practices between traders and consumers, including misleading actions or omissions in loan agreements.

FCA Regulations: Financial Conduct Authority rules and guidance for financial services, including specific requirements for lending practices.

Consumer Credit sourcebook (CONC): FCA handbook containing detailed rules and guidance for firms involved in consumer credit activities.

UK GDPR and Data Protection Act 2018: Legislative framework governing how personal data must be handled and protected in loan agreements and related processes.

Money Laundering Regulations 2017: Regulations requiring checks and procedures to prevent money laundering and terrorist financing in financial transactions.

Late Payment of Commercial Debts (Interest) Act 1998: Legislation governing interest charges on late payments in commercial transactions.

Law of Property Act 1925: Fundamental legislation governing property law, relevant for secured lending and mortgage arrangements.

Consumer Protection (Distance Selling) Regulations 2000: Regulations protecting consumers in contracts made at a distance, including online or telephone loan agreements.