Truth in Lending Act (TILA): Federal law that requires lenders to provide standardized disclosures about credit terms and costs, promoting informed credit decisions by consumers

Fair Credit Reporting Act (FCRA): Regulates the collection, dissemination, and use of consumer credit information, ensuring accuracy and privacy of credit reporting

Equal Credit Opportunity Act (ECOA): Prohibits credit discrimination on the basis of race, color, religion, national origin, sex, marital status, age, or whether an applicant receives public assistance

Fair Debt Collection Practices Act (FDCPA): Establishes legal protection from abusive debt collection practices and provides guidelines for debt collectors

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

Consumer Credit Protection Act: Comprehensive federal law that includes various consumer credit protections, including regulations on wage garnishment

Dodd-Frank Act: Reformed financial regulation following the 2008 crisis, created the CFPB, and established new consumer protection measures

State Usury Laws: State-specific regulations that set maximum interest rates and define what constitutes usurious lending practices

CFPB Regulations: Rules and guidelines issued by the Consumer Financial Protection Bureau governing consumer financial products and services

FTC Regulations: Federal Trade Commission rules protecting consumers from unfair or deceptive practices in credit transactions

Federal Reserve Board Regulations: Guidelines and requirements set by the Federal Reserve affecting credit and lending practices

Bankruptcy Laws: Federal laws governing bankruptcy proceedings that may affect credit purchase agreements and creditor rights

Securities Laws: Regulations governing the sale and trading of securities, relevant when credit purchases are securitized

Gramm-Leach-Bliley Act: Requirements for financial institutions to protect consumers' private information and explain their information-sharing practices

Anti-Money Laundering Regulations: Rules requiring financial institutions to monitor and report suspicious transactions to prevent money laundering