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

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

Fair Credit Reporting Act (FCRA): Regulates the collection and use of consumer credit information

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

Dodd-Frank Act: Comprehensive financial reform legislation that includes provisions affecting lending practices and consumer protection

Uniform Commercial Code (UCC): State-adopted uniform law governing commercial transactions, particularly Article 9 on secured transactions

Securities Act of 1933: Federal law governing securities offerings, relevant if loan includes convertible features or warrants

Securities Exchange Act of 1934: Regulates secondary trading of securities and establishes SEC oversight

Federal Reserve Regulations: Banking regulations affecting lending practices, capital requirements, and financial institution operations

U.S. Bankruptcy Code: Federal law governing bankruptcy proceedings, including creditor rights and priority rules

State Usury Laws: State-specific regulations limiting maximum interest rates and loan charges

Internal Revenue Code: Federal tax law provisions affecting loan treatment, interest deductibility, and other tax consequences

FATCA: Foreign Account Tax Compliance Act requirements for international lending arrangements

USA PATRIOT Act: Anti-terrorism law with provisions affecting financial institutions' customer identification and monitoring requirements