Financial Services and Markets Act 2000: Primary legislation that establishes the regulatory framework for financial services in the UK, including banking services and consumer protection
Consumer Rights Act 2015: Legislation that consolidates consumer rights and protections, including unfair terms in consumer contracts and transparency requirements
Data Protection Act 2018: UK implementation of GDPR, governing how banks must handle and protect customer personal data
Payment Services Regulations 2017: UK implementation of PSD2, regulating payment services and payment service providers, including banks
Consumer Credit Act 1974: Legislation governing consumer credit and lending practices, including overdraft facilities on bank accounts
Equality Act 2010: Legislation ensuring non-discrimination in the provision of banking services and equal access to banking facilities
FCA Handbook: Comprehensive regulatory guidelines issued by the Financial Conduct Authority for financial institutions
PRA Rulebook: Regulatory requirements set by the Prudential Regulation Authority for maintaining bank stability and security
Banking Conduct of Business Sourcebook: Specific FCA rules governing how banks should conduct their business with customers
Money Laundering Regulations 2017: Regulations requiring banks to implement measures to prevent money laundering and terrorist financing
Proceeds of Crime Act 2002: Legislation dealing with money laundering and the proceeds of crime, requiring banks to have specific procedures
Electronic Communications Regulations: Rules governing electronic banking services and digital communications with customers
Financial Services (Banking Reform) Act 2013: Legislation implementing structural reforms in the banking sector and enhanced customer protection measures
Mental Capacity Act 2005: Legislation providing framework for dealing with customers who may lack mental capacity to manage their accounts
Banking Code of Practice: Industry standards and best practices for banks in their dealings with customers
FCA Treating Customers Fairly Principles: Regulatory principles ensuring fair treatment of customers in banking services and products
