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Consumer Credit Act 1974: Primary legislation governing consumer credit and debt collection practices in England and Wales, including requirements for credit agreements and enforcement

Financial Services and Markets Act 2000: Establishes the regulatory framework for financial services in the UK, including debt collection activities and consumer protection measures

Limitation Act 1980: Defines the time limits within which creditors must take legal action to recover debts (generally 6 years for most debts)

Data Protection Act 2018 and UK GDPR: Governs how personal data must be handled, processed, and protected by debt collectors and agencies

FCA Handbook: Comprehensive guide containing rules and guidance for regulated firms, including specific requirements for debt collection practices

CONC (Consumer Credit Sourcebook): Detailed rules and guidance from the FCA specifically relating to consumer credit and debt collection activities

Credit Services Association Guidelines: Industry-specific guidelines for debt collection practices and professional standards

Consumer Protection from Unfair Trading Regulations 2008: Protects consumers from unfair commercial practices, including misleading actions or aggressive practices in debt collection

Consumer Rights Act 2015: Consolidates consumer rights and protections, including those relevant to debt collection and financial services

Taking Control of Goods Regulations 2013: Regulates how enforcement agents (bailiffs) can take control of goods to satisfy a debt