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Consumer Credit Act 1974: Primary legislation regulating credit agreements and consumer lending in the UK. Mandates documentation requirements, information disclosure, consumer protections, cooling-off periods, and specific forms and notices.

Consumer Rights Act 2015: Legislation establishing consumer rights and trader obligations, dealing with unfair contract terms and ensuring transparency and fairness in contracts.

Financial Services and Markets Act 2000: Regulatory framework for financial services activities, including requirements for authorized lenders and financial promotion rules.

FCA Rules: Regulatory requirements set by the Financial Conduct Authority covering consumer credit firms, conduct of business rules, and fair treatment of customers.

Bills of Sale Acts 1878 and 1882: Historical legislation governing loans secured against personal property, including registration requirements and prescribed form and content of agreements.

Data Protection Act 2018 and UK GDPR: Data protection legislation establishing rules for handling personal data, including privacy notices and consent requirements.

Unfair Contract Terms Act 1977: Legislation restricting the ability to exclude or limit liability in contracts and establishing requirements for reasonable and fair terms.

Consumer Protection from Unfair Trading Regulations 2008: Regulations prohibiting unfair commercial practices and requiring transparent information in trading activities.