Truth in Lending Act (TILA): Federal law that requires lenders to provide standardized disclosures about terms and costs of consumer credit, ensuring transparency in lending practices

Equal Credit Opportunity Act (ECOA): Federal law prohibiting discrimination in lending based on race, color, religion, national origin, sex, marital status, age, or participation in public assistance programs

Fair Credit Reporting Act (FCRA): Federal law regulating the collection, dissemination, and use of consumer credit information, protecting borrower's credit information privacy

Dodd-Frank Act: Comprehensive financial reform legislation that established the CFPB and introduced various consumer protection measures in financial services

Regulation Z: Federal Reserve Board regulation implementing TILA, providing specific rules for credit terms disclosure and consumer rights in credit transactions

State Usury Laws: State-specific regulations that set maximum interest rates and define what constitutes usurious lending practices within the state

Uniform Commercial Code: Standardized set of business laws regulating financial contracts and transactions, particularly Article 3 (Negotiable Instruments) and Article 9 (Secured Transactions)

Fair Housing Act: Federal law prohibiting discrimination in residential real estate transactions, including mortgage lending

RESPA: Real Estate Settlement Procedures Act requiring lenders to provide disclosures about real estate settlement costs and prohibiting certain practices in real estate settlements

CFPB Regulations: Regulatory framework established by the Consumer Financial Protection Bureau governing consumer financial products and services, including loans

Bankruptcy Laws: Federal laws governing the treatment of debts and loans in bankruptcy proceedings, affecting creditor rights and loan enforcement

Securities Laws: Federal and state regulations governing investment-related loans and securities-backed lending arrangements