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Consumer Credit Act 1974: Primary legislation governing consumer credit agreements in England and Wales. Essential for loans to consumers, setting out key requirements for credit agreements and consumer protections.

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

Law of Property Act 1925: Key legislation relevant when the loan is secured against property, governing the creation and enforcement of security interests.

Unfair Contract Terms Act 1977: Legislation controlling the use of unfair terms in contracts, particularly those attempting to exclude or restrict liability.

Consumer Rights Act 2015: Modern legislation consolidating consumer protection law, particularly relevant for consumer loans and ensuring fairness in consumer contracts.

FCA Regulations: Regulatory framework established by the Financial Conduct Authority, providing detailed rules and guidance for financial services firms.

Consumer Credit sourcebook (CONC): Part of the FCA Handbook containing detailed rules and guidance for consumer credit activities.

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

GDPR and Data Protection Act 2018: Legal framework governing the handling and protection of personal data in loan agreements and related documentation.

Financial Services (Distance Marketing) Regulations 2004: Regulations governing the remote marketing and execution of financial services contracts.

Consumer Credit (Agreements) Regulations 2010: Detailed regulations specifying the form and content requirements for consumer credit agreements.

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

Doctrine of Variation: Common law principles governing how existing contracts can be validly modified or varied, particularly relevant for extension agreements.