Truth in Lending Act (TILA): Federal law that requires lenders to provide standardized disclosures about terms and costs associated with lending.

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

Equal Credit Opportunity Act (ECOA): Federal law that prohibits credit discrimination on the basis of race, color, religion, national origin, sex, marital status, age, or whether one receives public assistance.

Electronic Funds Transfer Act: Federal law providing a framework for establishing rights and responsibilities of participants in electronic fund transfer systems.

State Usury Laws: State-specific laws that regulate maximum interest rates and other lending terms that can be charged within the state jurisdiction.

State Banking Laws: State-specific regulations governing banking operations and lending practices within the state.

Fair Labor Standards Act (FLSA): Federal law establishing wage, overtime, and payroll standards, relevant when cash advances are employment-related.

Statute of Frauds: Legal requirement that certain contracts must be in writing to be enforceable, varies by state.

Federal Trade Commission Regulations: Federal regulations protecting consumers from unfair or deceptive lending practices.

Uniform Commercial Code (UCC): Standardized set of business laws regulating financial contracts and transactions across states.

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

State Labor Laws: State-specific regulations governing employment relationships, including rules about payroll advances and wage deductions.