Truth in Lending Act (TILA): Federal law that requires lenders to provide standardized disclosures about loan terms and costs to promote informed borrowing decisions

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

Fair Credit Reporting Act (FCRA): Regulates the collection, dissemination, and use of consumer credit information in lending decisions

Bank Secrecy Act (BSA): Requires financial institutions to assist government agencies in detecting and preventing money laundering

Anti-Money Laundering (AML) Regulations: Set of regulations designed to prevent and detect money laundering activities in financial transactions

Dodd-Frank Wall Street Reform: Comprehensive financial reform legislation that includes provisions affecting lending practices and financial institution oversight

Federal Reserve Regulations: Various regulations governing banking practices, capital requirements, and lending activities issued by the Federal Reserve

Securities Acts (1933 & 1934): Federal laws governing the registration and trading of securities, relevant if the loan is securitized

State Usury Laws: State-specific regulations that set maximum interest rates and regulate other loan charges

State Banking Regulations: State-specific rules governing banking operations and lending practices within individual states

Uniform Commercial Code (UCC): Standardized set of laws governing commercial transactions, particularly Article 9 for secured transactions

FATCA: Foreign Account Tax Compliance Act requirements for international financial transactions and reporting

Basel III Requirements: International regulatory framework for banks, setting standards for capital adequacy and stress testing

OCC Regulations: Office of the Comptroller of the Currency regulations governing national banks and federal savings associations

FDIC Requirements: Federal Deposit Insurance Corporation rules ensuring safety and soundness of financial institutions

CFPB Guidelines: Consumer Financial Protection Bureau guidelines protecting consumers in financial transactions and lending