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Consumer Credit Act 1974: Primary legislation regulating consumer credit agreements, including requirements for form and content, cooling-off periods, and cancellation rights. Particularly relevant if the loan is to a consumer rather than a business.

Financial Services and Markets Act 2000: Establishes the regulatory framework for financial services and sets requirements for lenders engaging in regulated activities.

Consumer Rights Act 2015: Governs fairness and transparency of contract terms, including provisions regarding unfair terms in consumer contracts.

Limitation Act 1980: Sets statutory time limits for bringing claims, crucial for repayment terms and enforcement provisions in loan agreements.

Unfair Contract Terms Act 1977: Places limitations on exclusion clauses and requires reasonableness in contract terms.

Financial Services Act 2012: Provides additional regulatory requirements and consumer protection provisions for financial services.

Money Laundering Regulations 2017: Establishes due diligence requirements and record-keeping obligations for financial transactions.

Data Protection Act 2018: Implements UK GDPR requirements for handling personal information, including privacy notices and consent requirements in financial agreements.