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Consumer Credit Act 1974: Primary legislation governing consumer credit agreements in England and Wales. Essential for consumer lending arrangements and sets out key requirements for credit agreements.

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

Law of Property Act 1925: Key legislation for secured lending, dealing with property rights and security interests in England and Wales.

Unfair Contract Terms Act 1977: Controls the use of exclusion and limitation clauses in contracts, ensuring fairness in contractual relationships.

Consumer Rights Act 2015: Legislation protecting consumer rights and governing unfair terms in consumer contracts, relevant for consumer lending.

FCA Handbook (CONC): Regulatory sourcebook containing detailed rules and guidance for consumer credit activities regulated by the Financial Conduct Authority.

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

LIBOR Transition Regulations: Regulations governing the transition from LIBOR to alternative reference rates in loan agreements.

UK GDPR and Data Protection Act 2018: Legislation governing the processing and protection of personal data in loan agreements and related documentation.

Common Law Contract Principles: Fundamental principles of contract law developed through case law, including offer, acceptance, consideration, and intention to create legal relations.

Insolvency Act 1986: Legislation governing insolvency proceedings and relevant for default provisions in loan agreements.

Financial Collateral Arrangements (No.2) Regulations 2003: Regulations governing financial collateral arrangements and security interests in financial instruments.

Consumer Protection from Unfair Trading Regulations 2008: Regulations protecting consumers from unfair commercial practices, including misleading actions or omissions in lending.

European Union (Withdrawal) Act 2018: Brexit-related legislation affecting the application of EU-derived law in UK loan agreements and financial services.