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Consumer Credit Act 1974: Primary legislation governing consumer credit agreements in England and Wales. Essential if the borrower is a consumer, covering requirements for credit agreements, licensing, and consumer protections.

Financial Services and Markets Act 2000: Key legislation regulating financial services and markets in the UK, establishing regulatory framework and requirements for financial activities.

Law of Property Act 1925: Fundamental legislation relevant if the loan is secured against property, governing the creation and enforcement of security interests.

Unfair Contract Terms Act 1977: Legislation controlling unfair terms in contracts, particularly those attempting to exclude or restrict liability.

Consumer Rights Act 2015: Modern legislation protecting consumer rights, including provisions about unfair terms in consumer contracts and transparency requirements.

FCA Regulations: Regulatory requirements set by the Financial Conduct Authority, including conduct of business rules and consumer protection measures.

Consumer Credit sourcebook (CONC): Detailed regulatory requirements for consumer credit activities, part of the FCA handbook, providing specific rules and guidance.

Regulated Activities Order 2001: Statutory instrument defining which activities require FCA authorization, including certain lending activities.

Truth in Lending Requirements: Obligations to provide clear and accurate information about lending terms, costs, and charges to borrowers.

APR Disclosure Requirements: Specific rules requiring clear disclosure of the Annual Percentage Rate and other cost information in credit agreements.

Right of Withdrawal Provisions: Legal requirements concerning the borrower's right to withdraw from the credit agreement within a specified period.

Early Repayment Rights: Statutory provisions allowing borrowers to repay loans early and regulations regarding early repayment charges.

UK GDPR: Data protection requirements governing the collection, processing, and storage of personal data in loan agreements.

Unfair Terms in Consumer Contracts Regulations 1999: Regulations protecting consumers against unfair standard terms in contracts, requiring terms to be fair and transparent.

Financial Services (Distance Marketing) Regulations 2004: Rules governing financial services contracts concluded at a distance, including information requirements and cancellation rights.

Money Laundering Regulations 2017: Requirements for due diligence and anti-money laundering measures in financial transactions.

Electronic Commerce Regulations 2002: Regulations governing electronic contracts and digital signatures, relevant if the loan agreement is executed electronically.