Data Protection Act 2018: Primary UK legislation governing personal data protection, working alongside UK GDPR to regulate how personal information is handled
UK GDPR: Post-Brexit data protection regulation incorporating EU GDPR principles into UK law, providing key rights including data rectification and access
Consumer Credit Act 1974: Key legislation governing consumer credit relationships, including specific provisions for credit information and dispute resolution
Financial Services and Markets Act 2000: Framework legislation establishing financial services regulation and the FCA's regulatory powers
FCA Regulations: Regulatory requirements set by the Financial Conduct Authority governing credit reference agencies and financial institutions
ICO Guidelines: Information Commissioner's Office guidance on data protection and credit information handling
Right to Rectification: Article 16 UK GDPR right allowing individuals to have inaccurate personal data corrected
Right to Access: Article 15 UK GDPR right allowing individuals to obtain copies of their personal data
CCA Section 157: Specific right under Consumer Credit Act to have inaccurate credit information corrected
28-Day Response Deadline: Statutory timeframe for credit reference agencies to respond to dispute notifications
30-Day GDPR Response Deadline: Maximum time allowed under UK GDPR for data controllers to respond to data subject requests
FCA Principles for Businesses: Fundamental obligations for regulated firms, including treating customers fairly and handling information appropriately
