Truth in Lending Act (TILA): Federal law requiring clear disclosure of key credit terms and costs to consumers, including APR, finance charges, and payment terms

Credit CARD Act of 2009: Federal legislation providing consumer protections regarding credit card practices, including restrictions on fee increases and billing practices

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

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

E-SIGN Act: Federal law establishing legal validity of electronic signatures and records in commercial transactions

Regulation Z: Federal Reserve Board regulation implementing TILA, providing specific rules for credit card disclosures and practices

Regulation B: Federal regulation implementing ECOA, providing specific requirements for credit applications and notifications

State Credit Card Laws: Various state-specific regulations governing credit card operations and consumer protections within individual states

State Usury Laws: State-specific laws setting maximum interest rates and governing finance charges

Disclosure Requirements: Mandatory information that must be clearly presented including APR, fees, payment terms, credit limits, grace periods, and default terms

Format Requirements: Specific requirements for document presentation including font size, language clarity, electronic consent provisions, and signature requirements

Consumer Protection Elements: Required provisions for consumer rights including cancellation rights, dispute resolution procedures, privacy policies, and security measures