Financial Services and Markets Act 2000: Primary legislation governing financial services regulation in the UK, establishing regulatory framework and FCA authority over mortgage products
Consumer Credit Act 1974: Regulates credit agreements and provides consumer protections in financial transactions, including mortgage arrangements
Law of Property Act 1925: Fundamental legislation governing property law in England and Wales, including mortgage creation and enforcement
Land Registration Act 2002: Governs the registration of land and charges (including mortgages) in England and Wales
MCOB (Mortgages and Home Finance: Conduct of Business Sourcebook): FCA handbook containing specific rules and guidance for mortgage lenders and administrators
Consumer Rights Act 2015: Provides framework for consumer protection and unfair terms in contracts
Consumer Protection from Unfair Trading Regulations 2008: Protects consumers from unfair commercial practices, including misleading actions or omissions in financial products
Unfair Terms in Consumer Contracts Regulations 1999: Protects consumers against unfair standard terms in contracts with traders
Financial Services (Distance Marketing) Regulations 2004: Regulates the remote marketing and selling of financial services to consumers
Money Laundering Regulations 2017: Sets requirements for due diligence and anti-money laundering procedures in financial transactions
Data Protection Act 2018: Implements UK GDPR requirements for handling personal data in financial services
Equality Act 2010: Ensures non-discrimination in the provision of services, including financial products
Equity Release Council Standards: Industry body standards for equity release products, including reverse mortgages
FCA Treating Customers Fairly Principles: Regulatory principles ensuring fair treatment of customers in financial services
