Truth in Lending Act (TILA) and Regulation Z: Federal legislation requiring disclosure of credit terms, specific formatting for disclosures, and regulation of credit term advertising

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

Equal Credit Opportunity Act (ECOA): Federal law prohibiting discrimination in credit transactions and establishing requirements for credit application processing

Federal Trade Commission Act: Federal legislation prohibiting unfair or deceptive practices and regulating consumer protection

UCC Article 2: Uniform Commercial Code article governing sales of goods and providing framework for credit sales

State Usury Laws: State-specific laws governing maximum interest rates and late fee restrictions

State Consumer Protection Laws: State-specific laws requiring additional disclosures, cooling-off periods, and cancellation rights

State-Specific UCC Modifications: State-level modifications to the Uniform Commercial Code that may affect credit sale agreements

State Registration Requirements: State-specific requirements for licensing credit sellers and registration of security interests

UCC Article 9: Uniform Commercial Code article governing security interests, including perfection requirements, filing requirements, and priority rules

E-SIGN Act: Federal law governing electronic signatures and records in commercial transactions