Consumer Credit Act 1974: Primary legislation governing consumer credit agreements, including overdrafts, setting out requirements for form and content of agreements, and consumer protections
Financial Services and Markets Act 2000: Establishes the regulatory framework for financial services in the UK, including banking services and consumer credit
Consumer Rights Act 2015: Sets out consumer rights and protections, including requirements for transparency and fairness in contract terms
Unfair Contract Terms Act 1977: Controls the use of unfair terms in contracts, particularly exclusion clauses and limitations of liability
FCA Banking Conduct of Business Sourcebook: Regulatory rules and guidance for retail banking services, including requirements for overdraft facilities
FCA Consumer Credit Sourcebook: Detailed rules and guidance for consumer credit activities, including overdraft provisions and customer treatment
Payment Services Regulations 2017: Regulations governing payment services, including requirements for payment account features like overdrafts
Consumer Protection from Unfair Trading Regulations 2008: Prohibits unfair commercial practices and sets standards for business-to-consumer trading
Consumer Protection (Distance Selling) Regulations 2000: Regulates contracts made at a distance, including online banking services and overdraft agreements
Unfair Terms in Consumer Contracts Regulations 1999: Protects consumers against unfair standard terms in contracts with traders
UK General Data Protection Regulation: Governs the processing of personal data, including requirements for financial institutions handling customer information
Data Protection Act 2018: Implements and supplements the UK GDPR, providing the framework for data protection in the UK
Money Laundering Regulations 2017: Sets out requirements for preventing money laundering and terrorist financing in financial services
