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Consumer Credit Act 1974: Primary legislation governing consumer credit and debt collection practices in the UK, including requirements for information disclosure and consumer protections

Financial Services and Markets Act 2000: Establishes the regulatory framework for financial services in the UK and the powers of the Financial Conduct Authority

Limitation Act 1980: Sets statutory time limits for bringing claims for debt recovery (generally 6 years for most debts)

Data Protection Act 2018: UK's implementation of data protection requirements, governing how personal information must be handled in debt collection processes

UK GDPR: Post-Brexit data protection regulation defining how personal data must be processed, stored, and protected

FCA Handbook - CONC: Consumer Credit Sourcebook containing detailed rules for consumer credit firms, including specific debt collection requirements

FCA Handbook - PRIN: Principles for Businesses setting out fundamental obligations for firms under the regulatory system

Consumer Protection from Unfair Trading Regulations 2008: Prohibits unfair commercial practices, including aggressive or misleading debt collection tactics

Credit Services Association Code of Practice: Industry standards for debt collection practices, providing guidance on ethical and professional conduct

Taking Control of Goods Regulations 2013: Regulations governing how enforcement agents (bailiffs) must operate when collecting debts

FCA Treating Customers Fairly Principles: Regulatory initiative ensuring fair treatment of customers, including vulnerable customers in debt collection