Truth in Lending Act (TILA): Federal law requiring clear disclosure of lending terms and costs in consumer credit transactions, including auto loans

Consumer Leasing Act: Federal regulation governing vehicle lease agreements and requiring specific disclosures for consumer leases

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

Fair Credit Reporting Act: Regulates the collection and use of consumer credit information in financing decisions

UCC Article 9: Uniform Commercial Code article governing secured transactions, including vehicle financing and security interests

State Usury Laws: State-specific regulations that set maximum interest rates and finance charges for auto loans

State Consumer Protection Laws: State-specific regulations protecting consumers from unfair practices in vehicle financing and sales

State Vehicle Financing Regulations: Specific state requirements for vehicle financing, including documentation and disclosure requirements

Registration and Titling Requirements: State-specific rules governing vehicle registration and title transfer procedures

CFPB Regulations: Consumer Financial Protection Bureau rules governing auto financing practices and consumer protection

Repossession Laws: Federal and state regulations governing the process and rights related to vehicle repossession

Insurance Requirements: State-mandated insurance coverage requirements for financed vehicles

Electronic Signature Laws: Federal and state regulations governing the validity and use of electronic signatures in auto financing documents