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Consumer Credit Act 1974: Primary legislation governing consumer credit agreements and consumer protection in lending. Applies if the gold loan is made to a consumer rather than a business.

Financial Services and Markets Act 2000: Core financial services legislation that establishes the regulatory framework for financial activities in the UK, including lending and security arrangements.

Consumer Rights Act 2015: Legislation protecting consumer rights and establishing rules for fairness in consumer contracts, including credit agreements.

Law of Property Act 1925: Fundamental property law that governs how security interests in property (including precious metals) can be created and enforced.

FCA Regulations: Financial Conduct Authority rules and guidance governing conduct of financial institutions and protection of consumers in financial transactions.

PRA Requirements: Prudential Regulation Authority requirements ensuring financial institutions maintain appropriate capital and risk management systems.

Money Laundering Regulations 2017: Regulations requiring due diligence and verification procedures to prevent money laundering in valuable asset transactions.

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

Hallmarking Act 1973: Legislation governing the standards and marking of precious metals in the UK, relevant for verifying gold quality and authenticity.

LBMA Guidelines: London Bullion Market Association guidelines establishing standards for gold trading and handling in the UK market.

Financial Collateral Arrangements Regulations 2003: Regulations governing how financial collateral (including precious metals) can be used as security for loans.

Unfair Contract Terms Act 1977: Legislation controlling the use of unfair terms in contracts, particularly relevant for standard form agreements.

Misrepresentation Act 1967: Law governing false or misleading statements made during contract formation, including valuations and descriptions of gold collateral.

Bills of Sale Acts 1878 and 1882: Historic legislation still relevant for loans secured on personal chattels, including precious metals.

Companies Act 2006: Corporate law relevant when the borrower is a company, particularly regarding registration of security interests.