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Consumer Credit Act 1974: Primary legislation governing consumer credit and debt collection practices in England and Wales, establishing the framework for consumer protection in credit transactions

Financial Services and Markets Act 2000: Key legislation that establishes the regulatory framework for financial services in the UK, including debt collection activities

Data Protection Act 2018: UK implementation of GDPR, governing how personal data must be handled in debt collection processes

Limitation Act 1980: Legislation that sets time limits for bringing claims on debts and defines when debts become statute-barred

FCA Regulations: Financial Conduct Authority's regulatory framework governing the conduct of financial services firms, including debt collectors

CONC Rules: Consumer Credit Sourcebook rules providing detailed regulations for consumer credit firms and debt collectors

FCA Consumer Treatment Guidance: Guidelines on how financial services firms should treat consumers fairly and handle vulnerable customers

Credit Services Association Code of Practice: Industry standards and best practices for debt collection agencies in the UK

MCOB Rules: Mortgage and Home Finance Conduct of Business rules governing mortgage-related debt collection

Pre-Action Protocol for Debt Claims: Court procedures that must be followed before making a debt claim against an individual

Money Advice Service Guidelines: Official guidance for handling financial difficulties and debt management

TCF Principles: FCA's Treating Customers Fairly principles ensuring fair treatment of customers in financial services

Vulnerability Assessment Guidelines: Framework for identifying and appropriately handling vulnerable customers in debt collection

Fair Debt Collection Practices: Standards and requirements for ethical and legal debt collection activities

Rights of Forbearance: Legal provisions allowing temporary relief from debt collection due to financial hardship

Customer Duty of Care Requirements: Obligations of financial services providers to exercise reasonable care in dealing with customers