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Consumer Credit Act 1974: Primary legislation governing consumer credit agreements in the UK, essential if the borrower is a consumer. Sets out regulatory framework for credit agreements and consumer protections.

Financial Services and Markets Act 2000: Key legislation establishing the UK's financial regulatory framework, including the FCA and PRA, and setting out regulated activities.

Consumer Rights Act 2015: Legislation protecting consumers' rights and establishing rules about unfair terms in consumer contracts.

Unfair Contract Terms Act 1977: Controls unfair terms in contracts, particularly exclusion and limitation clauses.

Consumer Credit (EU Directive) Regulations 2010: Implements EU consumer credit rules into UK law, setting standards for credit agreements and information disclosure.

FCA Handbook (CONC): Financial Conduct Authority's Consumer Credit sourcebook containing detailed rules and guidance for consumer credit activities.

RAO 2001: Financial Services and Markets Act 2000 (Regulated Activities) Order 2001 - Defines which activities require FCA authorization.

Money Laundering Regulations 2017: Sets out requirements for due diligence and anti-money laundering procedures in financial transactions.

Contracts (Rights of Third Parties) Act 1999: Governs how third parties may enforce terms of a contract to which they are not a direct party.

Misrepresentation Act 1967: Provides remedies for misrepresentations made during contract formation.

Late Payment of Commercial Debts Act 1998: Regulates interest on late payments in commercial transactions between businesses.

Data Protection Act 2018: UK's implementation of data protection requirements, including UK GDPR, governing handling of personal data.

Contract Law Principles: Common law principles covering contract formation, consideration, capacity to contract, and remedies.

Bank of England Base Rate: Mechanism for determining interest rates, crucial for variable rate provisions in credit agreements.

FCA Requirements: Regulatory requirements and guidance from the Financial Conduct Authority for credit providers.

PRA Requirements: Prudential requirements from the Prudential Regulation Authority governing financial institutions.

Banking Code of Practice: Industry standards and best practices for banking operations and customer treatment.