Truth in Lending Act (TILA) and Regulation Z: Federal law requiring disclosure of credit terms and standardizing how costs associated with borrowing are calculated and disclosed.

Equal Credit Opportunity Act (ECOA): Prohibits discrimination in lending based on race, color, religion, national origin, sex, marital status, age, or participation in public assistance programs.

Fair Credit Reporting Act (FCRA): Regulates the collection, dissemination, and use of consumer credit information, ensuring fair and accurate credit reporting.

Consumer Leasing Act: Requires disclosure of lease terms and standardizes how leasing costs are presented to consumers.

Military Lending Act: Provides special protections for active duty service members and their dependents in consumer credit transactions.

Servicemembers Civil Relief Act (SCRA): Provides financial and legal protections for military personnel during active duty service.

FTC Regulations: Federal Trade Commission rules governing fair business practices and consumer protection in auto financing.

UCC Article 9: Uniform Commercial Code article governing secured transactions, including creation and perfection of security interests in vehicles.

UCC Article 2: Uniform Commercial Code article governing sales of goods, which may apply to vehicle sales aspects of the transaction.

State Consumer Protection Laws: State-specific regulations protecting consumers in auto loan transactions, varying by jurisdiction.

State Usury Laws: State-specific limitations on interest rates and finance charges that can be charged on auto loans.

State Vehicle Finance Laws: State-specific requirements for vehicle financing, including licensing, disclosure, and operational requirements.

State Repossession Laws: State-specific requirements governing the process and procedures for vehicle repossession upon default.

Dodd-Frank Act: Federal law establishing the CFPB and creating additional consumer protection requirements in financial transactions.

CFPB Regulations: Consumer Financial Protection Bureau rules governing auto lending practices and consumer protection.

State Title and Registration Requirements: State-specific rules governing vehicle title and registration procedures in secured auto transactions.

State Insurance Requirements: State-specific insurance requirements for financed vehicles, including minimum coverage requirements.

Bankruptcy Laws: Federal and state laws affecting creditor rights and treatment of auto loans in bankruptcy proceedings.