Consumer Credit Act 1974: Primary legislation governing consumer credit agreements, including requirements for form and content, cooling-off periods, and early repayment rights
Financial Services and Markets Act 2000: Establishes regulatory framework for financial services, including authorization requirements for lenders and financial promotion rules
Consumer Credit (EU Directive) Regulations 2010: Implements EU consumer credit rules, covering pre-contractual information requirements, SECCI, and APR calculation methods
FSMA Regulated Activities Order 2001: Defines the scope of regulated lending activities and regulated credit agreements under UK law
Consumer Rights Act 2015: Legislation covering unfair contract terms, transparency requirements, and general consumer protection provisions
Data Protection Act 2018 and UK GDPR: Legal framework for processing personal data, including privacy notices and data protection rights in financial services
Money Laundering Regulations 2017: Requirements for customer due diligence and record keeping in financial transactions
FCA Handbook (CONC): Regulatory guidelines covering conduct of business rules, responsible lending requirements, and treating customers fairly principles
