Financial Services and Markets Act 2000: Primary legislation that regulates financial services and markets in the UK, establishing requirements for authorized mortgage lenders and setting the framework for financial regulation
Consumer Credit Act 1974: Governs consumer credit agreements and sets out disclosure requirements for lending, including provisions affecting mortgage documentation and borrower protections
Law of Property Act 1925: Establishes fundamental property law principles in England and Wales, including the legal framework for creating and enforcing mortgages
FCA Mortgage Conduct of Business (MCOB) Rules: Regulatory framework setting out detailed requirements for mortgage lenders, including rules on fair treatment of customers and mandatory disclosure requirements
Mortgages and Home Finance: Conduct of Business Sourcebook: Comprehensive rulebook providing detailed regulations for mortgage lenders and specific requirements for communications with borrowers
Consumer Protection from Unfair Trading Regulations 2008: Legislation prohibiting unfair commercial practices and ensuring transparent communication in consumer transactions, including mortgage lending
UK GDPR and Data Protection Act 2018: Data protection legislation governing the handling of personal data and privacy requirements in mortgage documentation and processing
Financial Services (Distance Marketing) Regulations 2004: Specific regulations applying to financial services, including mortgages, arranged remotely or through digital channels
Unfair Contract Terms Act 1977: Legislation ensuring that contract terms are fair and reasonable, applying to terms in mortgage agreements and related documentation
