Banking Act (Cap. 19): Primary legislation governing banking institutions and credit facilities in Singapore, including requirements for lending practices and consumer protection
Moneylenders Act (Cap. 188): Regulates money lending activities and provides framework for credit arrangements, including interest rate caps and licensing requirements
Consumer Protection (Fair Trading) Act: Ensures fair trading practices and protects consumers from unfair practices in credit agreements
Contracts Act (Cap. 53): Provides the fundamental legal framework for contract formation, validity, and enforcement in Singapore
Personal Data Protection Act 2012: Governs the collection, use, and disclosure of personal data in credit agreements and related documentation
MAS Guidelines on Fair Dealing: Regulatory guidelines ensuring fair dealing with customers in financial products and services
Banking (Credit Card and Charge Card) Regulations: Specific regulations governing credit facilities, including disclosure requirements and fee structures
MAS Notice 635: Specific notice relating to unsecured credit facilities and lending limits under the Banking Act
Interest Rate Regulations: Requirements for disclosure and calculation of interest rates in credit agreements
Late Payment Regulations: Rules governing late payment fees and penalties in credit agreements
Unfair Contract Terms Act: Protects against unfair terms in contracts, including credit agreements
Credit Reporting Requirements: Obligations regarding credit reporting and credit information sharing
