Uniform Commercial Code (UCC): Primary federal legislation governing secured transactions, particularly Article 9 which regulates security interests in personal property

Truth in Lending Act (TILA): Federal law requiring disclosure of consumer credit terms and standardizing how credit costs are calculated and disclosed

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

Federal Trade Commission Act: Federal legislation prohibiting unfair or deceptive trade practices in commerce, including lending activities

Bank Secrecy Act: Federal law requiring financial institutions to assist government agencies in detecting and preventing money laundering

State UCC Variations: State-specific versions and implementations of the Uniform Commercial Code that may contain local variations

State Usury Laws: State-specific regulations governing maximum legal interest rates and terms for loans

State Secured Transaction Laws: State-specific regulations governing how security interests are created, perfected, and enforced

State Consumer Protection Laws: State-specific laws designed to protect consumers in financial transactions and lending

SEC Regulations: Federal securities regulations that may apply if the loaned assets involve securities or security-like instruments

Federal Reserve Regulations: Banking regulations that may apply when financial institutions are involved in asset lending

CFPB Regulations: Consumer Financial Protection Bureau rules governing consumer lending and financial products

Contract Law Principles: General principles of contract formation, enforcement, and remedies applicable to loan agreements

Property Law: Laws governing ownership, transfer, and encumbrance of property that serves as the underlying asset

Bankruptcy Law: Federal and state bankruptcy provisions affecting creditor rights and asset security in case of borrower bankruptcy

Tax Regulations: Federal and state tax implications and requirements related to asset loans and lending transactions

Insurance Requirements: Legal requirements and considerations for insurance coverage of loaned assets