Truth in Lending Act (TILA): Federal law requiring transparent disclosure of lending terms and standardized calculation of interest rates and fees for consumer credit transactions

Federal Trade Commission Regulations: Federal regulations governing fair trade practices and consumer protection in pawn transactions

Military Lending Act: Federal law providing special protections for active duty service members and their dependents in consumer credit transactions

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

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

State Pawnbroker Regulations: State-specific laws governing pawnbroker operations, licensing requirements, and business practices

State Usury Laws: State laws setting maximum interest rates and defining usurious lending practices

State Consumer Protection Laws: State-specific regulations protecting consumers in credit transactions and pawn agreements

State Vehicle Title Laws: State regulations governing vehicle title transfers, liens, and registration requirements

Uniform Commercial Code (UCC): State-adopted uniform laws governing commercial transactions, particularly Article 9 regarding secured transactions

Interest Rate Disclosure Requirements: Regulatory requirements for clear disclosure of interest rates, APR, and other financial charges

Right of Redemption Regulations: Laws governing the borrower's right to reclaim pawned property and the required redemption period

Default and Repossession Procedures: Legal requirements for handling loan defaults and vehicle repossession processes

Security Interest Requirements: Legal framework for creating and perfecting security interests in vehicle pawn transactions

Collection Practices Regulations: Laws governing acceptable debt collection practices and procedures in pawn transactions