Consumer Credit Act 1974: Primary legislation regulating credit agreements, setting disclosure requirements and defining consumer protections. Includes subsequent amendments.
Consumer Credit (EU Directive) Regulations 2010: Implements EU Consumer Credit Directive, establishing requirements for pre-contractual information and standard information requirements in credit agreements.
Financial Services and Markets Act 2000: Establishes regulatory framework for financial services, including FCA authorization requirements and consumer protection provisions.
General Data Protection Regulation (GDPR) and Data Protection Act 2018: Governs personal data handling requirements, privacy notices, and data processing consents in credit applications.
Consumer Rights Act 2015: Sets out unfair terms provisions, transparency requirements, and consumer protections applicable to credit agreements.
Financial Services Act 2021: Provides latest updates to financial services regulation and additional consumer protections in the financial sector.
Consumer Protection from Unfair Trading Regulations 2008: Prohibits unfair commercial practices and establishes requirements for transparent information in consumer credit.
Money Laundering Regulations 2017: Establishes KYC (Know Your Customer) requirements and due diligence obligations for credit providers.
Equality Act 2010: Ensures prevention of discriminatory lending practices and establishes fair treatment requirements in credit provision.
