Truth in Lending Act (TILA) and Regulation Z: Federal law requiring disclosure of key terms and costs in consumer credit transactions, including regulation of credit advertising and billing practices

Equal Credit Opportunity Act (ECOA) and Regulation B: Federal law prohibiting discrimination in credit transactions based on protected characteristics and requiring specific notices for credit decisions

Fair Credit Reporting Act (FCRA): Federal law governing the collection and use of consumer credit information, including requirements for disclosures when using credit reports

Dodd-Frank Wall Street Reform and Consumer Protection Act: Comprehensive federal law establishing consumer protection requirements and creating oversight mechanisms for financial institutions

Uniform Commercial Code (UCC): State-adopted uniform law covering commercial transactions, particularly Article 9 (Secured Transactions), Article 2 (Sales), and Article 3 (Negotiable Instruments)

State Usury Laws: State-specific laws regulating maximum interest rates and lending terms that can be charged on financial transactions

State Lending Regulations: State-specific rules governing lending practices, licensing requirements, and consumer protections beyond federal regulations

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

Anti-Money Laundering (AML) Regulations: Federal regulations requiring financial institutions to maintain programs to detect and report suspicious activity and prevent money laundering

Office of Foreign Assets Control (OFAC) Requirements: Federal regulations governing transactions with foreign entities and ensuring compliance with U.S. sanctions and embargoes

Securities and Exchange Commission (SEC) Regulations: Federal regulations governing securities transactions and financial instruments, applicable when the finance contract involves securities