FSMA 2000: Financial Services and Markets Act 2000 - Primary legislation governing financial services regulation in the UK
Consumer Credit Act 1974: Legislation regulating consumer credit and lending practices, including requirements for communication with borrowers
Equality Act 2010: Legislation ensuring non-discriminatory practices in lending decisions and communications
Data Protection Act 2018: UK implementation of GDPR principles governing how personal data must be handled in communications
FCA Handbook: Comprehensive regulatory framework from the Financial Conduct Authority detailing requirements for financial institutions
MCOB: Mortgages and Home Finance: Conduct of Business sourcebook - Specific regulations for mortgage lending
PRIN: FCA's Principles for Businesses - Fundamental obligations for firms under FCA regulation
BCOBS: Banking Conduct of Business Sourcebook - Rules and guidance for retail banking services
Credit Reference Requirements: Obligation to disclose which credit reference agency was used in the decision-making process
Complaints Procedure Requirements: Mandatory inclusion of information about how to file complaints and appeal processes
UK Finance Guidelines: Industry standards set by UK Finance (formerly Council of Mortgage Lenders)
FOS Guidance: Financial Ombudsman Service guidance on handling mortgage application decisions and communications
Lending Code: Industry standards for lending practices including requirements for clear communication of decisions
