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Consumer Credit Act 1974: Primary legislation governing consumer credit agreements in England and Wales. Essential if the borrower is a consumer, covering licensing, documentation requirements, and consumer protections.

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

Law of Property Act 1925: Fundamental legislation governing property law, relevant for any security interests or charges over property in the loan agreement.

Unfair Contract Terms Act 1977: Legislation controlling unfair terms in contracts, particularly relevant for exclusion clauses and liability limitations.

Consumer Rights Act 2015: Modern legislation protecting consumer rights, including provisions about unfair terms in consumer contracts and transparency requirements.

FCA Regulations: Regulatory requirements set by the Financial Conduct Authority, including conduct of business rules and consumer protection measures.

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

Regulated Activities Order 2001: Statutory instrument defining which activities require FCA authorization, including certain lending activities.

Money Laundering Regulations 2017: Regulations requiring due diligence and verification procedures in financial transactions to prevent money laundering.

Data Protection Act 2018: Legislation governing the processing of personal data, including requirements for handling borrower information.

UK GDPR: Post-Brexit data protection regime implementing European-style data protection requirements in UK law.

Limitation Act 1980: Legislation setting time limits for bringing legal actions, relevant for enforcement of loan agreements.

Financial Services (Distance Marketing) Regulations 2004: Regulations governing financial services contracts made at a distance, including specific information requirements.

Contract Law Principles: Common law principles governing contract formation, including offer, acceptance, consideration, and intention to create legal relations.

Doctrine of Penalties: Common law principle distinguishing between legitimate liquidated damages and unenforceable penalty clauses.