Truth in Lending Act (TILA) and Regulation Z: Federal law requiring disclosure of key terms and costs in consumer credit transactions, including regulation of credit terms advertising
Equal Credit Opportunity Act (ECOA): Federal law prohibiting discrimination in lending and requiring fair lending practices
Fair Credit Reporting Act (FCRA): Federal legislation governing the use of credit reports and regulating the reporting of loan information
Dodd-Frank Wall Street Reform and Consumer Protection Act: Federal law establishing additional consumer protections and creating oversight requirements for lending institutions
Federal Reserve Board Regulations: Various federal regulations affecting lending practices and terms set by the Federal Reserve
State Usury Laws: State-specific laws governing maximum interest rates and fee limitations on loans
State Consumer Protection Laws: State-specific laws requiring additional disclosures and imposing lending restrictions beyond federal requirements
State Contract Laws: State-specific requirements for contract formation and statute of frauds requirements
Uniform Commercial Code (UCC): Standardized set of laws governing commercial transactions and secured interests in lending
Bankruptcy Laws: Federal and state laws governing how loans are treated in bankruptcy and requirements for enforceability
Securities Laws: Federal and state regulations that may apply if the loan could be considered a security
