Consumer Credit Act 1974: Primary legislation regulating consumer credit agreements, including requirements for information disclosure, cooling-off periods, and early repayment rights
Financial Services and Markets Act 2000: Establishes the overall regulatory framework for financial services, including financial promotion rules and licensing requirements
Consumer Rights Act 2015: Governs fairness of terms, transparency requirements, and general consumer protection provisions in contracts
Consumer Credit (Disclosure of Information) Regulations 2010: Specifies requirements for APR calculation, mandatory information disclosure, and standard format requirements for credit agreements
Financial Services and Markets Act 2000 (Regulated Activities) Order 2001: Defines regulated lending activities and establishes the scope of regulated credit agreements
Consumer Protection from Unfair Trading Regulations 2008: Prohibits unfair commercial practices and establishes requirements for transparent information in trading activities
Data Protection Act 2018 and UK GDPR: Governs personal data handling, privacy requirements, and information security standards
FCA Regulations: Includes CONC (Consumer Credit Sourcebook) rules, fair treatment of customers, and responsible lending requirements
Electronic Commerce (EC Directive) Regulations 2002: Regulates online-based calculators and electronic contracts, establishing requirements for digital commerce
Unfair Contract Terms Act 1977: Controls unreasonable exclusion clauses and ensures fairness in contract terms
