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Consumer Credit Act 1974: Primary legislation governing consumer credit agreements, including requirements for information disclosure, cooling-off periods, and early repayment rights. Applies when lending to consumers rather than businesses.

Financial Services and Markets Act 2000: Establishes the regulatory framework for financial services, including requirements for authorized lenders and financial promotion rules.

Consumer Rights Act 2015: Regulates unfair contract terms, transparency requirements, and provides general consumer protection provisions in financial agreements.

Consumer Protection from Unfair Trading Regulations 2008: Prohibits unfair commercial practices and misleading actions or omissions in financial agreements and their marketing.

Data Protection Act 2018 & UK GDPR: Governs personal data handling, privacy notices, and data protection clauses that must be included in financial agreements.

FCA Regulations: Includes the Consumer Credit Sourcebook (CONC), responsible lending requirements, and treating customers fairly principles as mandated by the Financial Conduct Authority.

Limitation Act 1980: Sets time limits for bringing claims and establishes statute of limitations considerations for loan agreements.

Consumer Credit (Agreements) Regulations 2010: Specifies prescribed form and content requirements for consumer credit agreements and related information requirements.

Financial Services (Distance Marketing) Regulations 2004: Provides additional requirements for loan agreements arranged remotely or through digital channels.

Money Laundering Regulations 2017: Establishes Know Your Customer (KYC) requirements and due diligence obligations for lenders in financial agreements.