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

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

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

Federal Trade Commission Act: Primary federal law governing unfair or deceptive trade practices affecting commerce

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

State Consumer Protection Laws: State-specific laws designed to protect consumers from fraudulent or unfair business practices

Statute of Frauds: Legal requirement that certain contracts must be in writing to be enforceable, particularly relevant for guarantee agreements

State Banking Regulations: State-specific rules governing banking operations and transactions within the state

State Usury Laws: State laws regulating maximum interest rates and charges that can be applied to loans

UCC Article 3: Uniform Commercial Code provisions governing negotiable instruments

UCC Article 9: Uniform Commercial Code provisions governing secured transactions and security interests

Consideration Requirements: Legal doctrine requiring that contracts must be supported by valid consideration to be enforceable

Capacity to Contract: Legal requirement that parties must have legal capacity to enter into binding contracts

Statute of Limitations: Time limits for bringing legal actions related to the guarantee agreement

Fraudulent Conveyance Laws: Laws preventing transfers of assets made to avoid creditor claims

Federal Reserve Regulations: Banking rules and guidelines issued by the Federal Reserve System

FDIC Requirements: Federal Deposit Insurance Corporation rules governing insured banking institutions

OCC Guidelines: Office of the Comptroller of the Currency guidelines for national banks and federal savings associations

Clear Disclosure Requirements: Legal obligations to provide clear and conspicuous disclosure of guarantee terms and obligations

Right of Rescission Rules: Regulations governing the guarantor's right to cancel or rescind the guarantee agreement within specified timeframes

Fair Lending Practices: Requirements for non-discriminatory lending practices and equal treatment of all guarantors