Consumer Credit Act 1974: Primary legislation governing consumer credit agreements, including licensing, documentation requirements, and consumer protections in lending
Financial Services and Markets Act 2000: Establishes the regulatory framework for financial services in the UK, including lending activities and their supervision
Consumer Rights Act 2015: Consolidates consumer protection law, including unfair terms in consumer contracts and enforcement of consumer rights
Business Contract Terms (Assignment of Receivables) Regulations 2018: Governs the assignment of receivables in business contracts, relevant for securitization or transfer of lending rights
Financial Services Act 2021: Updates to financial services regulation post-Brexit, including amendments to regulatory frameworks for lending
FCA Regulations: Regulatory requirements set by the Financial Conduct Authority for lending activities, including conduct rules and consumer protection
MCOB Rules: Mortgage and Home Finance: Conduct of Business sourcebook - specific rules for property-secured lending
CONC Requirements: Consumer Credit sourcebook requirements governing consumer credit activities and consumer lending practices
Law of Property Act 1925: Fundamental property law legislation affecting secured lending and property rights
Land Registration Act 2002: Governs the registration of land and charges, crucial for secured lending against property
Money Laundering Regulations 2017: Requirements for anti-money laundering checks and procedures in financial transactions
Proceeds of Crime Act 2002: Legislative framework for dealing with criminal proceeds, including money laundering provisions affecting lenders
Late Payment of Commercial Debts (Interest) Act 1998: Governs interest charges on late commercial payments and statutory interest rates
Unfair Terms in Consumer Contracts Regulations 1999: Protects consumers against unfair terms in contracts, including lending agreements
UK GDPR: Data protection requirements for handling personal information in lending relationships
Data Protection Act 2018: UK's implementation of data protection requirements, including handling of financial and personal data
Consumer Protection from Unfair Trading Regulations 2008: Prohibits unfair commercial practices in consumer transactions, including lending
Financial Services (Distance Marketing) Regulations 2004: Governs the remote marketing and execution of financial services contracts, including loans
