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Consumer Credit Act 1974: Primary legislation governing consumer credit agreements. Essential if the loan is to an individual rather than a business. Regulates the form and content of credit agreements and provides consumer protections.

Financial Services and Markets Act 2000: Establishes the regulatory framework for financial services in the UK, including lending activities and the role of the Financial Conduct Authority (FCA).

Law of Property Act 1925: Fundamental legislation for secured lending, particularly relevant if the loan agreement includes any property-based security.

Unfair Contract Terms Act 1977: Controls the use of exclusion and limitation clauses in contracts, ensuring fairness particularly in standard form contracts.

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

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

SRA Code of Conduct: Professional standards and ethical requirements that solicitors must follow when providing legal services, including loan arrangements.

SRA Accounts Rules: Specific regulations governing how solicitors handle client money and maintain proper financial records.

Money Laundering Regulations 2017: Requirements for due diligence, risk assessment, and prevention of money laundering in financial transactions.

Contract Law Principles: Common law principles governing contract formation, including offer, acceptance, consideration, and intention to create legal relations.

Legal Services Act 2007: Regulatory framework for legal services in England and Wales, including requirements for practicing solicitors.

UK GDPR: Data protection regulations governing the processing of personal data, including requirements for privacy notices and data processing agreements.

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