Truth in Lending Act (TILA): Federal law requiring disclosure of key terms and costs in financing agreements, including APR, finance charges, and payment schedules

Consumer Credit Protection Act: Federal legislation governing consumer credit transactions and protecting consumers in credit dealings

Equal Credit Opportunity Act (ECOA): Prohibits discrimination in credit transactions based on race, color, religion, national origin, sex, marital status, or age

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

UCC Article 9: Uniform Commercial Code article governing secured transactions, including the creation and enforcement of security interests in personal property

State Usury Laws: State-specific regulations limiting maximum interest rates and finance charges that can be charged on financing agreements

State Consumer Protection Laws: State-specific regulations protecting consumers from unfair or deceptive practices in financial transactions

State Financing Regulations: State-specific rules governing lending and financing practices, including licensing requirements and operational restrictions

State Documentation Requirements: State-specific rules for document format, content, and execution requirements for property transfers and financing agreements

FTC Regulations: Federal Trade Commission rules governing fair trade practices and consumer protection in financial transactions

CFPB Guidelines: Consumer Financial Protection Bureau requirements for consumer financial products and services, including disclosure and fair lending practices

Property Description Requirements: Legal requirements for accurately describing the property being sold and financed in the agreement

Notarization Requirements: State-specific rules regarding which documents must be notarized and proper notarization procedures

Filing Requirements: Rules governing where and how financing agreements must be filed or recorded to perfect security interests and protect legal rights