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UK GDPR and Data Protection Act 2018: Primary legislation governing how personal information can be shared and processed, including requirements for data protection, consent, and information security

Consumer Credit Act 1974: Key legislation regulating credit references and credit information sharing, including amendments that affect how credit information can be reported and shared

Financial Services and Markets Act 2000: Provides the fundamental framework for financial services regulation in the UK, including aspects of credit reporting

Utilities Act 2000: Specific legislation governing utility companies' operations and their obligations regarding customer information and service provision

Privacy and Electronic Communications Regulations 2003: Regulations concerning electronic communications and data sharing, particularly relevant for digital transmission of credit reference information

Ofgem Regulations: Industry-specific regulations for energy companies, including requirements for customer information handling and credit reporting

Ofwat Regulations: Industry-specific regulations for water companies, including guidelines on customer data handling and credit reference provision

Ofcom Regulations: Industry-specific regulations for telecommunications companies, including requirements for customer information management

FCA Guidelines: Financial Conduct Authority guidelines applicable to utility companies falling under FCA regulation, particularly regarding credit reference provision

Competition Act 1998: Legislation ensuring fair business practices, including aspects related to credit reference provision and information sharing between companies