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Financial Services and Markets Act 2000: Primary legislation governing financial services regulation in the UK, establishing the regulatory framework for mortgage lending and financial services

Consumer Credit Act 1974: Legislation regulating consumer credit and lending, including aspects of mortgage agreements and consumer protection in financial services

Law of Property Act 1925: Fundamental property law that governs how mortgage charges work on property in England and Wales

Consumer Rights Act 2015: Modern consumer protection legislation ensuring fairness in contracts and clarity of terms in consumer agreements

FCA Handbook - MCOB: Mortgages and Home Finance: Conduct of Business Sourcebook - detailed regulations for mortgage lenders on conduct, disclosure, and treating customers fairly

FCA Handbook - CONC: Consumer Credit Sourcebook - regulatory requirements for consumer credit activities and lending practices

Mortgage Credit Directive: EU-derived regulations (retained in UK law) standardizing mortgage credit and protecting consumers in mortgage agreements

UK GDPR: Post-Brexit data protection regulation governing how personal data must be handled in financial services and mortgage documentation

Data Protection Act 2018: UK's implementation of data protection requirements, including specific provisions for financial services

Unfair Terms in Consumer Contracts Regulations 1999: Regulations protecting consumers from unfair terms in contracts, including mortgage agreements

Financial Services (Distance Marketing) Regulations 2004: Rules governing how financial services, including mortgages, can be marketed and sold at a distance

Equality Act 2010: Legislation preventing discrimination in the provision of services, including financial services and mortgage lending

FCA Treating Customers Fairly Principles: Regulatory principles requiring fair treatment of customers in financial services, including clear information and suitable products