Truth in Lending Act (TILA): Federal law that requires lenders to provide standardized disclosures about credit terms and costs, ensuring transparency in lending transactions

Equal Credit Opportunity Act (ECOA): Federal law prohibiting discrimination in lending based on race, color, religion, national origin, sex, marital status, age, or use of public assistance

Fair Credit Reporting Act (FCRA): Federal law regulating 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

Dodd-Frank Act: Comprehensive financial reform legislation that established new regulatory requirements and the Consumer Financial Protection Bureau

Uniform Commercial Code (UCC): Standardized set of business laws regulating financial contracts and transactions, particularly Article 9 concerning secured transactions

State Usury Laws: State-specific laws that set maximum interest rates and regulate other lending terms within the state's jurisdiction

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

Federal Reserve Regulations: Guidelines and requirements set by the Federal Reserve System affecting commercial lending practices and bank operations

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

FDIC Requirements: Standards and regulations set by the Federal Deposit Insurance Corporation for insured financial institutions

CFPB Regulations: Consumer protection rules and requirements established by the Consumer Financial Protection Bureau

Anti-Money Laundering Requirements: Regulations including Know Your Customer (KYC) and Suspicious Activity Reporting requirements to prevent money laundering

Environmental Regulations: Laws and regulations concerning environmental liability and compliance, particularly relevant for loans involving real estate or industrial properties