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

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

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

Uniform Commercial Code (UCC) Article 9: Governs secured transactions and provides rules for creation, perfection, and enforcement of security interests in personal property

Federal Reserve Regulation Z: Implements TILA and provides detailed requirements for disclosures in lending, including calculation of APR and advertising rules

Dodd-Frank Act: Comprehensive financial reform legislation that established the CFPB and implemented various consumer protection measures in lending

State Usury Laws: State-specific regulations that set maximum interest rates and fees that lenders can charge on loans

State Lending Regulations: State-specific rules governing lending practices, licensing requirements, and loan documentation within each jurisdiction

Bank Secrecy Act: Federal law requiring financial institutions to assist government agencies in detecting and preventing money laundering in lending transactions

CFPB Guidelines: Regulatory guidance from the Consumer Financial Protection Bureau on fair lending practices and consumer protection in financial services

SEC Regulations: Federal securities regulations that may apply if the loan involves securities or security interests

Documentation Requirements: State-specific requirements for loan documentation, including recording, filing, and notarization requirements