Financial Services and Markets Act 2000: Primary legislation governing financial services regulation in the UK, establishing regulatory framework and FCA/PRA authority
Consumer Rights Act 2015: Key legislation protecting consumer rights and addressing unfair terms in consumer contracts
Consumer Credit Act 1974: Regulates consumer credit and related financial products, particularly relevant for overdraft facilities
Data Protection Act 2018 and UK GDPR: Legislation governing how personal data must be handled, stored, and processed
Equality Act 2010: Ensures non-discrimination in provision of banking services and account access
Payment Services Regulations 2017: Regulates payment services, including bank transfers, direct debits, and payment processing
Electronic Money Regulations 2011: Governs electronic money institutions and electronic payment methods
FCA Handbook - BCOBS: Banking Conduct of Business Sourcebook providing specific rules for retail banking operations
FCA Handbook - PRIN: Principles for Businesses setting out fundamental obligations for regulated firms
FCA Handbook - SYSC: Senior Management Arrangements, Systems and Controls requirements for banking institutions
Money Laundering Regulations 2017: Anti-money laundering requirements including customer due diligence and monitoring
Proceeds of Crime Act 2002: Legislative framework for dealing with proceeds of crime and suspicious transactions
Financial Services (Distance Marketing) Regulations 2004: Regulates how financial services can be marketed and sold at a distance
Financial Services (Banking Reform) Act 2013: Reforms to banking sector including ring-fencing and deposit protection measures
Bank of England Act 1998: Establishes Bank of England's role and responsibilities in financial system oversight
