Uniform Commercial Code (UCC): Primary legislation governing sales and secured transactions, including Article 2 (Sales) and Article 9 (Secured Transactions). Each state may have variations in their UCC adoption.

Federal Trade Commission (FTC) Regulations: Federal regulations governing consumer protection, including requirements for clear disclosure of terms and cooling-off period rules.

Truth in Lending Act (TILA): Federal law requiring disclosure of credit terms, APR calculations, and right of rescission provisions in consumer credit transactions.

State-Specific Consumer Protection Laws: Local state laws governing consumer contracts, including specific disclosure requirements and cooling-off period variations.

Magnuson-Moss Warranty Act: Federal law governing warranty terms and disclosure requirements for consumer goods sales.

Fair Credit Reporting Act: Federal law regulating the use of credit reports in transactions and requirements for adverse action notices.

E-SIGN Act: Federal law governing the validity and enforceability of electronic signatures and records in commerce.

State Contract Law: Basic state-specific contract formation requirements, statute of frauds, and remedies for breach of contract.