Truth in Lending Act (TILA): Federal law requiring clear disclosure of lending terms and costs to borrowers, including APR, finance charges, and loan terms.

Equal Credit Opportunity Act (ECOA): Prohibits discrimination in lending based on race, color, religion, national origin, sex, marital status, age, or receipt of public assistance.

Fair Credit Reporting Act (FCRA): Regulates the collection, dissemination, and use of consumer credit information, including requirements for consent to access credit reports.

Fair Housing Act (FHA): Prohibits discrimination in residential real estate-related transactions, including mortgage lending.

Real Estate Settlement Procedures Act (RESPA): Requires lenders to provide borrowers with disclosures about real estate settlement costs and prohibits kickbacks in mortgage transactions.

Gramm-Leach-Bliley Act: Requires financial institutions to explain their information-sharing practices and protect sensitive data of borrowers.

State Usury Laws: State-specific regulations that set maximum interest rates and govern lending practices within each state's jurisdiction.

State Lending Regulations: State-specific requirements for loan applications, disclosures, and lending practices that vary by jurisdiction.

State Privacy Laws: State-level requirements for handling, protecting, and disclosing consumer personal and financial information.

State Consumer Protection Laws: State-specific regulations protecting consumers from unfair lending practices and ensuring adequate disclosures.

CFPB Regulations: Federal regulatory requirements from the Consumer Financial Protection Bureau governing consumer lending practices and disclosures.

Federal Reserve Board Regulations: Banking regulations that affect lending practices, including requirements for disclosures and fair lending.

FTC Requirements: Federal Trade Commission rules governing fair lending practices and consumer protection in loan transactions.