UCC Article 9: Uniform Commercial Code Article 9 governs secured transactions, providing rules for creation, perfection, and enforcement of security interests in personal property

Federal Trade Commission Act: Prohibits unfair or deceptive acts or practices in commerce, affecting consumer security agreements and their enforcement

Consumer Credit Protection Act: Federal law governing consumer credit transactions, including disclosure requirements and consumer rights

Truth in Lending Act: Requires clear disclosure of lending terms and costs to consumers in credit transactions, including secured agreements

Fair Credit Reporting Act: Regulates the collection and use of consumer credit information, affecting how security agreements are reported and monitored

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

Regulation Z: Federal Reserve Board regulation implementing TILA, providing specific requirements for consumer credit disclosures

State UCC Variations: State-specific modifications to the Uniform Commercial Code that may affect security agreements in different jurisdictions

State Consumer Protection Laws: Various state-specific laws protecting consumers in credit and security transactions, including disclosure requirements and enforcement procedures

State Usury Laws: State-specific limitations on interest rates and charges in consumer credit transactions

Dodd-Frank Act: Comprehensive financial reform legislation affecting consumer financial products and services, including security agreements

CFPB Regulations: Consumer Financial Protection Bureau rules governing consumer financial products, including requirements for security agreements

Bankruptcy Code: Federal laws affecting the treatment of security interests in bankruptcy proceedings and creditor rights