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Consumer Credit Act 1974: Primary legislation governing consumer credit agreements, including loan agreements when the borrower is a consumer. Sets out requirements for form and content of agreements, licensing, and consumer protections.

Financial Services and Markets Act 2000: Key legislation establishing the regulatory framework for financial services in the UK, including lending activities and regulatory oversight.

Law of Property Act 1925: Fundamental legislation governing property rights and security interests in England and Wales, relevant for secured lending arrangements.

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

Consumer Rights Act 2015: Provides protection for consumers in contracts, including requirements for transparency and fairness in consumer credit agreements.

FCA Handbook (CONC): Regulatory sourcebook containing detailed rules and guidance for consumer credit activities, including loan agreements.

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

Financial Services (Banking Reform) Act 2013: Legislation implementing structural and operational reforms in the banking sector, affecting lending practices.

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

Misrepresentation Act 1967: Provides remedies for false or misleading statements made during contract formation, relevant for loan agreement representations.

Data Protection Act 2018: Governs the processing of personal data, including handling of borrower information and privacy requirements.

UK GDPR: Post-Brexit data protection regulation implementing European-style data protection requirements in UK law.