Truth in Lending Act (TILA): Federal law requiring transparency in loan terms, including clear disclosure of interest rates and payment terms. While primarily for commercial lenders, following its principles ensures proper documentation of the loan agreement.

State Usury Laws: State-specific regulations that set maximum legal interest rates. Rates exceeding these limits are considered usurious and illegal. Vary significantly by state and must be verified for compliance.

Uniform Commercial Code (UCC): Article 9 governs secured transactions, providing rules for creating and perfecting security interests in vehicles, including requirements for vehicle liens and repossession rights.

State Vehicle Laws: State-specific regulations governing vehicle title transfers, registration requirements, and procedures for recording liens with the state Department of Motor Vehicles (DMV).

Statute of Frauds: Legal principle requiring certain contracts to be in writing, particularly applicable to loan agreements involving substantial amounts.

Contract Law Basics: Fundamental legal requirements including elements of valid contracts (offer, acceptance, consideration), capacity to contract, and clarity of terms.

Collection Laws: Includes Fair Debt Collection Practices Act principles and state-specific collection regulations governing the process of collecting unpaid debts.

Bankruptcy Law Considerations: Legal framework determining how the loan would be treated in bankruptcy proceedings, including secured versus unsecured status of the loan.