Truth in Lending Act (TILA): Federal law requiring disclosure of credit terms and standardized calculation of interest rates for consumer loans, which may apply to employee loans depending on their nature and size

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

Fair Labor Standards Act (FLSA): Federal law governing wages and employment conditions that may impact how loans can be repaid through payroll deductions

Internal Revenue Code Section 7872: Federal tax provision governing below-market loans to employees, including treatment of imputed interest and tax implications

State Usury Laws: State-specific regulations that set maximum legal interest rates for loans and penalties for exceeding these limits

State Wage and Hour Laws: State-specific regulations governing how and when employers can make deductions from employee wages for loan repayment

Securities Regulations: SEC and state securities regulations that may apply if the loan is related to employee stock purchases or options

Uniform Commercial Code: State-adopted standardized business laws that may affect the loan's terms, particularly regarding secured transactions if collateral is involved

State Wage Garnishment Laws: State-specific rules limiting the amount that can be deducted from an employee's paycheck for loan repayment

Bankruptcy Laws: Federal and state laws affecting the treatment of employee loans in bankruptcy proceedings and their potential dischargability