Uniform Commercial Code (UCC): Primary framework governing sales and secured transactions, particularly Article 2 (Sale of Goods) and Article 9 (Secured Transactions), including provisions for vehicle liens and title transfers

State-Specific Vehicle Laws: State-level regulations governing vehicle registration, title transfer procedures, lien release processes, and Department of Motor Vehicles (DMV) requirements

Truth in Lending Act (TILA): Federal law requiring disclosure of financial terms, including interest rates and financing details in lending transactions

Federal Trade Commission Regulations: Federal regulations including the Used Car Rule and consumer protection requirements for vehicle sales

State Consumer Protection Laws: State-specific laws governing disclosure requirements, cooling-off periods, and warranty provisions for consumer transactions

Fair Credit Reporting Act (FCRA): Federal law governing credit checks and credit reporting requirements in financial transactions

State Contract Laws: Basic contract formation requirements, statute of frauds, and consideration rules specific to each state

Uniform Motor Vehicle Certificate of Title Act: Standardized requirements for vehicle title transfers, if adopted by the relevant state

State Usury Laws: State regulations governing maximum interest rates and finance charge limitations

E-SIGN Act: Federal law governing the use and validity of electronic signatures in commercial transactions