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Consumer Credit Act 1974: Primary legislation governing consumer lending in the UK. Must be considered if the borrower is a consumer rather than a business entity.

Financial Services and Markets Act 2000: Key legislation regulating financial services and markets in the UK, including lending activities and financial promotions.

Law of Property Act 1925: Fundamental legislation dealing with property law in England and Wales, particularly relevant if the loan is to be secured against property.

Limitation Act 1980: Sets out the time limits within which different types of legal claims must be brought, including debt claims.

FCA Regulations: Financial Conduct Authority regulations governing financial services and consumer protection, including specific rules for lending activities.

CONC Rules: Consumer Credit sourcebook rules providing detailed regulations for consumer credit activities and consumer protection requirements.

Money Laundering Regulations 2017: Regulations requiring certain due diligence and verification procedures to prevent money laundering and terrorist financing.

Unfair Contract Terms Act 1977: Legislation controlling unfair terms in contracts, particularly relevant for standardized loan agreements.

Consumer Rights Act 2015: Modern legislation consolidating consumer protection law, including provisions about unfair terms in consumer contracts.

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

Interest Rate Regulations: Rules and regulations governing permissible interest rates and charges, including restrictions on usurious rates.

Security Requirements: Legal requirements for creating and registering security interests if the loan is to be secured against assets.

Registration Requirements: Various registration obligations that may apply depending on the loan type, amount, and security arrangements.