Consumer Credit Act 1974: Primary UK legislation governing consumer credit, including rights to challenge credit information and dispute resolution procedures
Data Protection Act 2018: UK's implementation of data protection standards, giving individuals rights over their personal data including credit information
UK GDPR: Post-Brexit adaptation of EU GDPR, providing framework for personal data protection and individual rights regarding data processing
Financial Services and Markets Act 2000: Establishes regulatory framework for financial services in UK, including credit reporting and dispute resolution
Consumer Rights Act 2015: Consolidates consumer protection law, including rights related to financial services and credit agreements
FCA Regulations: Financial Conduct Authority's regulatory requirements for credit reporting and dispute handling by financial institutions
CRAIN: Credit Reference Agency Information Notice - standardized information about how credit reference agencies use and share personal data
ICO Guidelines: Information Commissioner's Office guidance on handling personal data in credit reporting and dispute resolution
Credit Reporting Time Limits: Standard 6-year retention period for credit information on individual credit reports
28-Day Response Requirement: Statutory timeframe within which credit agencies must respond to formal disputes
Notice of Correction: Right to add a 200-word statement to credit file explaining circumstances of disputed information
Banking Code of Practice: Industry standards for banking practices including handling of credit disputes and customer complaints
FCA Handbook: Detailed regulatory guidance for financial institutions on handling credit disputes and customer complaints
