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Consumer Credit Act 1974: Primary legislation governing consumer credit agreements and consumer lending in the UK. Essential if the loan agreement involves a consumer borrower.

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

Consumer Rights Act 2015: Legislation protecting consumer rights and regulating unfair terms in consumer contracts, including financial agreements.

Unfair Contract Terms Act 1977: Controls unfair terms in contracts, particularly exclusion and limitation clauses, ensuring fairness in contractual relationships.

Consumer Protection from Unfair Trading Regulations 2008: Protects consumers from unfair commercial practices, including misleading actions or omissions in financial agreements.

Financial Services (Banking Reform) Act 2013: Reforms the structure of banking regulation in the UK, including provisions affecting lending practices.

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

Late Payment of Commercial Debts (Interest) Act 1998: Governs the charging of interest on late payments in commercial transactions.

Consumer Credit (Early Settlement) Regulations 2004: Regulates early repayment rights and calculations in consumer credit agreements.

Law of Property Act 1925: Fundamental legislation governing property law, relevant if the loan is secured against property.

Bills of Exchange Act 1882: Regulates negotiable instruments and may be relevant for certain payment arrangements in loan agreements.

UK GDPR: Data protection legislation governing the processing of personal data, relevant for handling borrower information.

Data Protection Act 2018: UK's implementation of data protection requirements, working alongside UK GDPR.

Enterprise Act 2002: Relevant for business loans and contains provisions affecting business credit arrangements.

Financial Collateral Arrangements (No.2) Regulations 2003: Governs arrangements involving financial collateral in lending transactions.

Consumer Credit (Disclosure of Information) Regulations 2010: Specifies information that must be disclosed to consumers in credit agreements.