Truth in Lending Act (TILA): Federal law requiring disclosure of key terms and costs in lending, implemented through Regulation Z. Essential for ensuring transparency in loan agreements.

Fair Credit Reporting Act (FCRA): Federal legislation governing the collection and use of consumer credit information in loan transactions.

Equal Credit Opportunity Act (ECOA): Federal law prohibiting discrimination in lending practices, implemented through Regulation B. Must be considered in loan approval criteria and terms.

Fair Debt Collection Practices Act (FDCPA): Federal regulation that sets guidelines for debt collection practices, crucial for default and collection provisions in loan agreements.

Uniform Commercial Code (UCC): Comprehensive set of laws governing commercial transactions, particularly Article 3 (Negotiable Instruments) and Article 9 (Secured Transactions).

State Usury Laws: State-specific regulations governing maximum interest rates and late fee restrictions that vary by jurisdiction.

State Consumer Protection Laws: State-specific laws designed to protect consumers in financial transactions, varying by jurisdiction.

State Lending Regulations: State-specific requirements for lending including licensing requirements and mandatory disclosures.

State Default and Collections Laws: State-specific regulations governing default procedures, notice requirements, and available remedies in case of loan default.

CFPB Regulations: Consumer Financial Protection Bureau regulations providing additional federal oversight and requirements for consumer lending.

Bank Secrecy Act: Federal law requiring financial institutions to assist government agencies in detecting and preventing money laundering.

Federal Reserve Board Regulations: Regulations issued by the Federal Reserve that may affect lending practices and requirements.