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Consumer Credit Act 1974: Governs loans exceeding £140, potentially requiring FCA authorization. Covers form and content requirements for credit agreements, disclosure obligations, and borrower's rights and protections.

Financial Services and Markets Act 2000: Establishes regulatory framework for lending activities and sets requirements for regulated credit agreements.

Employment Rights Act 1996: Covers provisions for wage deductions, protection of employees' rights, and limitations on salary deductions in the context of employee loans.

Limitation Act 1980: Sets time limits for bringing claims and statutory limitation periods for debt recovery actions.

Data Protection Act 2018 and UK GDPR: Regulates the processing of personal financial information, data protection requirements, and privacy considerations in loan agreements.

Unfair Contract Terms Act 1977: Ensures contract terms are fair and reasonable, and places restrictions on certain types of contractual terms.

Income Tax Legislation: Addresses potential benefit-in-kind implications and interest rate considerations, particularly for below-market rate loans.

FCA Regulations: Details compliance requirements and regulatory permissions needed from the Financial Conduct Authority for employee loan arrangements.