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

Consumer Credit Protection Act: Federal legislation that protects consumers in various credit transactions and establishes requirements for credit reporting

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

Fair Credit Reporting Act: Regulates the collection, dissemination, and use of consumer credit information, ensuring accuracy and privacy

Federal Trade Commission Act: Prohibits unfair or deceptive practices in commerce, including auto financing and sales

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

State Usury Laws: State-specific regulations that set maximum interest rates and finance charges that can be charged on auto loans

State Consumer Protection Laws: State-specific laws designed to protect consumers from fraudulent, deceptive, or unfair business practices in auto financing

Uniform Commercial Code: State-adopted standardized laws governing commercial transactions, including vehicle financing and secured transactions

Regulation Z: Federal Reserve Board regulation implementing the Truth in Lending Act, providing specific requirements for consumer credit disclosures

Fair Debt Collection Practices Act: Regulates debt collection practices and prohibits abusive collection methods

State Vehicle Finance Laws: State-specific regulations governing vehicle financing, including requirements for documentation and disclosures

Bankruptcy Laws: Federal laws affecting creditor rights and debtor obligations in case of bankruptcy, including provisions for secured vehicle loans

Repossession Laws: State laws governing the process and requirements for vehicle repossession in case of default

Insurance Requirements: State-mandated insurance requirements for financed vehicles and related disclosure obligations