Fair Credit Reporting Act (FCRA): Federal law that regulates the collection, dissemination, and use of consumer credit information. Requires disclosure of credit checks, mandates explicit consumer consent, and outlines consumer rights regarding their credit information.

Gramm-Leach-Bliley Act (GLBA): Federal legislation that governs the handling of personal financial information, requires financial institutions to explain their information-sharing practices, and mandates protection of sensitive data.

Equal Credit Opportunity Act (ECOA): Federal law that prohibits discrimination in credit transactions and ensures equal access to credit regardless of race, color, religion, national origin, sex, marital status, or age.

State-Specific Privacy Laws: Various state-level regulations that may impose additional requirements for credit checks, including restrictions on employment-related credit checks and state-specific disclosure requirements.

Consumer Financial Protection Bureau (CFPB) Regulations: Federal regulatory framework that provides additional requirements for consumer disclosures, including specific formatting and language requirements for credit-related documents.

Federal Trade Commission (FTC) Guidelines: Federal guidelines that establish requirements for clear and conspicuous disclosures and proper consent documentation in credit-related matters.