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Consumer Credit Act 1974: Primary legislation governing consumer credit agreements, including overdrafts for personal use. Sets out key requirements for credit agreements, including form and content requirements, and consumer protections.

Financial Services and Markets Act 2000: Establishes the regulatory framework for financial services in the UK, including banking services and overdraft facilities. Sets out the powers of regulatory authorities.

Consumer Rights Act 2015: Key legislation ensuring fairness in consumer contracts, particularly regarding unfair terms and transparency requirements in financial agreements.

Unfair Contract Terms Act 1977: Controls the use of unfair terms in contracts, particularly those that might exclude or restrict liability. Applies to business-to-business overdraft agreements.

Banking Act 2009: Provides the framework for banking regulation in the UK, including provisions affecting how banks can offer and manage overdraft facilities.

FCA Handbook - CONC: Consumer Credit Sourcebook containing detailed rules and guidance for consumer credit activities, including overdraft provisions and fair treatment of customers.

FCA Handbook - BCOBS: Banking Conduct of Business Sourcebook setting out specific requirements for banking services, including overdraft facilities and communication with customers.

Consumer Protection from Unfair Trading Regulations 2008: Prohibits unfair commercial practices, including misleading actions or omissions in the promotion and operation of overdraft facilities.

Payment Services Regulations 2017: Regulates payment services including overdraft-related transactions, ensuring transparency and proper authorization of payments.

Consumer Contracts Regulations 2013: Sets out requirements for information provision and cancellation rights in consumer contracts, including distance selling of financial services.

UK GDPR and Data Protection Act 2018: Governs the processing of personal data in financial services, including requirements for data protection provisions in overdraft agreements.