Consumer Credit Act 1974: Primary legislation regulating credit agreements and consumer protection. Includes licensing requirements for credit providers and applies when the buyer is a consumer rather than a business.
Financial Services and Markets Act 2000: Regulatory framework for financial services and markets, particularly relevant if the arrangement could be considered a regulated credit agreement.
Consumer Rights Act 2015: Ensures fairness in consumer contracts, including transparency requirements and provisions against unfair terms.
Law of Property Act 1925: Establishes fundamental property law principles, including requirements for land contracts, legal mortgages and charges.
Land Registration Act 2002: Sets out requirements for registering property interests, priority of interests, and notice requirements.
Consumer Protection from Unfair Trading Regulations 2008: Prohibits unfair commercial practices and establishes disclosure requirements in consumer transactions.
Money Laundering Regulations 2017: Establishes due diligence requirements, identity verification procedures, and record-keeping obligations.
Financial Services (Distance Marketing) Regulations 2004: Applies to contracts concluded at a distance, establishing specific requirements for remote transactions.
Mortgage Credit Directive Order 2015: Provides regulatory framework for mortgage credit, may be relevant depending on the structure of the owner financing arrangement.
