Truth in Lending Act (TILA): Federal law requiring clear disclosure of lending terms and standardized calculations of credit costs for consumer protection

Consumer Credit Protection Act: Federal law governing various aspects of consumer credit, including credit reporting, debt collection, and credit billing

Fair Credit Reporting Act: Federal law regulating the collection, dissemination, and use of consumer credit information

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

Fair Debt Collection Practices Act: Federal law limiting the behavior and actions of debt collectors who are attempting to collect debts on behalf of creditors

Dodd-Frank Act: Comprehensive financial reform legislation that established the CFPB and introduced new consumer protection measures

State Usury Laws: State-specific laws that set maximum interest rates that can be charged on loans

State Consumer Protection Laws: State-specific regulations protecting consumers from unfair or deceptive lending practices

State Contract Laws: State-specific laws governing the formation and enforcement of contracts

CFPB Regulations: Federal regulations issued by the Consumer Financial Protection Bureau governing consumer financial products and services

FTC Regulations: Federal Trade Commission regulations protecting consumers from unfair or deceptive trade practices

UCC Article 3: Uniform Commercial Code article governing negotiable instruments, including promissory notes

UCC Article 9: Uniform Commercial Code article governing secured transactions, applicable if the note is secured by collateral