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): Federal law that prohibits credit discrimination on the basis of race, color, religion, national origin, sex, marital status, age, or whether you receive public assistance

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

Bank Secrecy Act (BSA): Federal law requiring financial institutions to assist government agencies in detecting and preventing money laundering

Uniform Commercial Code (UCC) Article 9: Governs secured transactions and provides rules for the creation and enforcement of security interests in movable property

State Usury Laws: State-specific laws that set maximum interest rates that lenders can charge borrowers

State Lending Regulations: State-specific rules governing lending practices, licensing requirements, and consumer protection measures

State UCC Filing Requirements: State-specific requirements for filing and maintaining UCC financing statements

Federal Reserve Board Regulations: Guidelines and requirements set by the Federal Reserve for banking institutions and lending practices

OCC Guidelines: Regulatory framework established by the Office of the Comptroller of the Currency for national banks and federal savings associations

FDIC Regulations: Rules and requirements set by the Federal Deposit Insurance Corporation for insured financial institutions

CFPB Requirements: Consumer protection requirements and guidelines established by the Consumer Financial Protection Bureau

Dodd-Frank Act: Comprehensive financial reform legislation that includes provisions affecting commercial lending and consumer protection

Anti-Money Laundering (AML) Regulations: Federal requirements designed to prevent the conversion of illegally obtained money into legitimate assets

Know Your Customer (KYC) Requirements: Due diligence requirements for financial institutions to verify the identity of their clients and assess potential risks