Truth in Lending Act (TILA): Federal law requiring clear disclosure of lending terms and costs to protect consumers in credit transactions

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

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

Dodd-Frank Act: Comprehensive financial reform legislation affecting lending practices, consumer protection, and financial institution regulation

Uniform Commercial Code (UCC): Standardized set of laws governing commercial transactions, particularly Article 3 (Negotiable Instruments) and Article 9 (Secured Transactions)

State Usury Laws: State-specific regulations setting maximum interest rates and governing lending practices within individual states

ESIGN Act: Federal law ensuring the legal validity of electronic signatures and records in interstate commerce

UETA: Uniform Electronic Transactions Act providing legal framework for electronic signatures at state level

Real Estate Settlement Procedures Act (RESPA): Federal law governing real estate lending and settlement processes, particularly relevant for mortgage loan amendments

State Contract Laws: State-specific regulations governing contract formation, modification, and enforcement

Consumer Financial Protection Bureau Regulations: Federal regulatory framework providing consumer protection in financial sector, including lending practices

Bankruptcy Laws: Federal laws affecting creditor rights and loan obligations in bankruptcy scenarios