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

Equal Credit Opportunity Act (ECOA): Federal law prohibiting 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): Federal law regulating the collection, dissemination, and use of consumer credit information

Dodd-Frank Act: Comprehensive financial reform legislation that established the CFPB and implemented new financial regulations following the 2008 crisis

Regulation Z: Federal Reserve Board regulation implementing TILA and specifying how costs associated with borrowing must be disclosed

State Usury Laws: State-specific laws that set maximum legal interest rates and define usurious lending practices

State Banking Regulations: State-specific rules governing banking operations, lending practices, and financial institutions within the state

State Consumer Protection Laws: State-specific legislation designed to protect consumers from unfair or deceptive lending practices

UCC Article 3: Uniform Commercial Code article governing negotiable instruments, including promissory notes and drafts

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

SEC Regulations: Federal regulations governing securities and investment-related aspects of certain loans, particularly in commercial contexts

FTC Regulations: Federal Trade Commission rules protecting consumers from unfair or deceptive lending practices

CFPB Guidelines: Consumer Financial Protection Bureau guidelines establishing standards for consumer lending and loan servicing practices