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Consumer Credit Act 1974: Primary legislation governing consumer credit agreements in England and Wales. Essential if the loan is being made to a consumer rather than a business.

Financial Services and Markets Act 2000: Core legislation regulating financial services and markets in the UK, establishing regulatory framework and requirements for financial activities.

Consumer Rights Act 2015: Key legislation ensuring fairness in consumer contracts and providing protections against unfair terms in consumer agreements.

Unfair Contract Terms Act 1977: Legislation controlling unfair terms in contracts, particularly excluding or restricting liability.

Law of Property Act 1925: Fundamental property law legislation relevant if the loan is secured against property.

FCA Regulations: Regulatory requirements set by the Financial Conduct Authority governing financial services and consumer protection.

Consumer Credit sourcebook (CONC): Part of the FCA handbook providing detailed rules and guidance for consumer credit activities.

Regulated Activities Order 2001: Statutory instrument defining which activities require FCA authorization under the Financial Services and Markets Act.

Data Protection Act 2018: UK's implementation of GDPR, governing how personal data must be handled and protected in financial agreements.

Anti-Money Laundering Regulations: Requirements for due diligence and monitoring to prevent money laundering in financial transactions.

UK Finance Guidelines: Industry standards and best practices set by the primary trade association for the UK banking and financial services sector.

Banking Code of Practice: Voluntary code setting standards of good banking practice for financial institutions to follow.