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Consumer Credit Act 1974: Primary legislation governing consumer credit agreements and consumer lending in England and Wales. Essential if the loan is to a consumer rather than a business.

Financial Services and Markets Act 2000: Establishes the regulatory framework for financial services in the UK, including lending activities and consumer protection measures.

Consumer Rights Act 2015: Provides protection for consumers and defines unfair terms in consumer contracts, including loan agreements.

Unfair Contract Terms Act 1977: Controls unfair terms in contracts and limits the extent to which liability can be excluded or restricted.

Law of Property Act 1925: Relevant if the loan is secured against property, establishing rules for mortgages and charges.

FCA Regulations: Financial Conduct Authority rules and guidelines governing lending practices and consumer protection in financial services.

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

Regulated Activities Order 2001: Specifies which activities require FCA authorization, including certain lending activities.

Limitation Act 1980: Sets time limits for bringing legal actions, including debt recovery and enforcement of loan agreements.

Contracts (Rights of Third Parties) Act 1999: Governs how third parties may enforce terms of a contract, which can affect loan assignments and guarantees.

Misrepresentation Act 1967: Provides remedies for misrepresentation in contract formation, including loan agreements.

Late Payment of Commercial Debts (Interest) Act 1998: Establishes rules for interest on late payments in commercial transactions.

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

Data Protection Act 2018: Governs the handling of personal data in loan agreements and related documentation, implementing UK GDPR requirements.

Consumer Protection from Unfair Trading Regulations 2008: Prohibits unfair commercial practices and provides consumer protection in financial services marketing and agreements.