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Consumer Credit Act 1974: Primary legislation regulating consumer credit agreements, setting out requirements for form and content of agreements, establishing consumer protections and rights, and defining requirements for information disclosure

Financial Services and Markets Act 2000: Provides regulatory framework for financial services, sets standards for consumer protection, and establishes FCA's regulatory authority

Consumer Rights Act 2015: Ensures fairness of contract terms, prohibits unfair terms and conditions, and provides transparency requirements in consumer contracts

Unfair Contract Terms Act 1977: Limits ability to exclude or restrict liability and ensures reasonableness of contract terms in agreements

Consumer Protection from Unfair Trading Regulations 2008: Prohibits unfair commercial practices and protects against misleading actions or omissions in trading relationships

Data Protection Act 2018 & UK GDPR: Regulates handling of personal data and sets requirements for data protection in contractual relationships

Limitation Act 1980: Establishes time limits for bringing claims and is relevant for enforcement of repayment terms in loan agreements

FCA Regulations: Regulatory guidelines and requirements set by the Financial Conduct Authority for consumer credit and lending practices

Common Law Contract Principles: Fundamental principles of contract law developed through case law, including offer, acceptance, consideration, and intention to create legal relations