Truth in Lending Act (TILA): Federal law requiring disclosure of credit terms and standardized calculation of financing charges in consumer credit transactions

FTC Used Car Rule: Federal regulation requiring dealers to display a Buyers Guide with specific information about the vehicle and warranties

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

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

State Vehicle Sales Regulations: State-specific laws governing vehicle sales, including documentation, disclosure, and dealer licensing requirements

State Usury Laws: State-specific regulations setting maximum legal interest rates for credit transactions

State Consumer Protection Laws: State-specific laws protecting consumers from unfair practices in vehicle sales and financing

Vehicle Title and Registration Requirements: State-specific rules for transferring vehicle ownership and maintaining proper registration

State Repossession Laws: State-specific regulations governing the process and requirements for vehicle repossession in case of default

UCC Article 2: Uniform Commercial Code provisions governing the sale of goods, including vehicles

UCC Article 9: Uniform Commercial Code provisions governing secured transactions, including vehicle financing

Insurance Requirements: Legal requirements for maintaining appropriate vehicle insurance coverage during the payment period

Lien Recording Requirements: Legal process for recording and maintaining a security interest in the vehicle

Disclosure Requirements: Mandatory disclosures of terms, conditions, and costs associated with the vehicle sale and financing

Warranty Provisions: Legal requirements regarding express and implied warranties in vehicle sales