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Consumer Credit Act 1974: Primary legislation governing consumer credit agreements in England and Wales. Relevant if the loan is regulated and provides consumer protection measures.

Financial Services and Markets Act 2000: Regulates financial services and markets in the UK, including certain aspects of lending activities.

Contracts (Rights of Third Parties) Act 1999: Governs how third parties may enforce terms of a contract, which could be relevant if the loan agreement involves guarantors or other third parties.

Law of Property Act 1925: Relevant if the loan is secured against property or other assets, governing the legal framework for secured lending.

Consumer Rights Act 2015: Provides protection for consumers and ensures fairness in contract terms and conditions.

Contract Formation Principles: Common law principles including offer, acceptance, consideration, intention to create legal relations, and capacity to contract.

Unfair Contract Terms Act 1977: Regulates unfair terms in contracts and requires terms to be fair and transparent.

Interest Rate Regulations: Compliance requirements for interest charges, including usury laws and APR disclosure requirements.

Data Protection Framework: Includes GDPR and Data Protection Act 2018, governing how personal data must be handled in the agreement.

Anti-Money Laundering Legislation: Includes Proceeds of Crime Act 2002 and Money Laundering Regulations 2017, ensuring the loan is not used for illegal purposes.