Law of Property Act 1925: Primary legislation governing the creation and enforcement of mortgages, and defining legal and equitable interests in property
Financial Services and Markets Act 2000: Regulates financial services and markets and sets requirements for mortgage lenders
Consumer Credit Act 1974: Governs consumer credit agreements and applies if the mortgage is for non-business purposes
Land Registration Act 2002: Establishes requirements for registration of mortgages and determines priority of mortgages
FCA Mortgage Conduct of Business Rules: Regulatory framework that governs how mortgage lenders must treat customers, including disclosure requirements and fair treatment obligations
Consumer Rights Act 2015: Covers unfair contract terms and consumer protection provisions in financial agreements
Money Laundering Regulations 2017: Sets out due diligence requirements and identity verification procedures for financial transactions
Human Rights Act 1998: Ensures right to peaceful enjoyment of property and protection from discrimination in property matters
Equality Act 2010: Prevents discriminatory lending practices in mortgage and financial agreements
Data Protection Act 2018 and UK GDPR: Governs the handling of personal data and privacy requirements in financial transactions
