Financial Services and Markets Act 2000: Primary legislation governing financial services regulation in the UK, including mortgage lending and administration
Consumer Credit Act 1974: Legislation governing consumer credit agreements and regulated mortgage contracts, providing consumer protections
Law of Property Act 1925: Fundamental property law legislation that governs the creation and enforcement of mortgages in England and Wales
Consumer Rights Act 2015: Modern consumer protection legislation that ensures fairness in contracts and provides consumer remedies
FCA Mortgage Conduct of Business Rules: Regulatory rulebook setting out how mortgage lenders must deal with customers and conduct their mortgage business
FCA Handbook: Comprehensive regulatory framework including principles of treating customers fairly and other conduct requirements
FCA COVID-19 Guidance: Specific regulatory guidance for mortgage lenders regarding payment deferrals and customer treatment during the pandemic
Mortgage Credit Directive Order 2015: UK implementation of EU mortgage credit rules, maintaining standards for residential mortgage lending
FSMA Regulated Activities Order 2001: Defines which activities require FCA authorization, including mortgage lending and administration
FSMA Regulated Activities Amendment Order 2013: Updates to the regulatory framework for mortgage activities and consumer credit regulation
UK GDPR and Data Protection Act 2018: Data protection legislation governing how personal information must be handled in mortgage agreements and processing
Unfair Contract Terms Legislation: Rules preventing unfair terms in consumer contracts, including mortgage agreements and payment deferral arrangements
