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Consumer Credit Act 1974: Primary legislation governing consumer credit agreements in England and Wales. Essential if the loan involves individual borrowers rather than purely commercial entities.

Financial Services and Markets Act 2000: Fundamental legislation establishing the regulatory framework for financial services in the UK, including lending activities.

Law of Property Act 1925: Governs property law in England and Wales, particularly relevant if the loan agreement involves any property as security.

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

Consumer Rights Act 2015: Protects consumers' rights and applies to consumer contracts, relevant if the vendor loan agreement involves a consumer party.

FCA Regulations: Regulatory requirements set by the Financial Conduct Authority governing financial services and lending activities in the UK.

Consumer Credit sourcebook (CONC): Part of the FCA handbook providing detailed rules and guidance for firms involved in consumer credit activities.

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

UK GDPR and Data Protection Act 2018: Legislation governing the processing and protection of personal data, relevant for handling borrower information.