tiktok���˰�

Consumer Credit Act 1974: Primary legislation regulating consumer credit agreements, including disclosure requirements, cooling-off periods, and unfair relationship provisions. Applicable if the loan is to a consumer.

Consumer Rights Act 2015: Controls unfair terms in consumer contracts, requires transparency and fairness in contract terms, and affects how terms must be drafted and presented.

Financial Services and Markets Act 2000: Primary legislation regulating financial services activities in the UK, may be relevant if the lender is conducting regulated activities.

Consumer Credit (Disclosure of Information) Regulations 2010: Specifies mandatory information disclosure requirements to borrowers and sets out form and content requirements for credit agreements.

Unfair Contract Terms Act 1977: Controls exclusion and limitation clauses in contracts, particularly relevant for business-to-business loans.

Financial Services and Markets Act 2000 (Regulated Activities) Order 2001: Defines regulated lending activities and determines whether FCA authorization is required for the lender.

Interest Rate Regulations: While England has no specific usury laws, considerations regarding excessive interest rates which might be deemed unenforceable under common law.

Money Laundering Regulations 2017: Sets out identity verification and due diligence requirements for financial transactions, including loans.