Uniform Commercial Code (UCC): Primary federal framework governing commercial transactions, particularly Article 9 (Secured Transactions) and Article 2 (Sales), which are essential for floor plan financing structures

Truth in Lending Act (TILA): Federal law requiring disclosure of consumer credit terms and standardizing the manner in which costs associated with borrowing are calculated and disclosed

Equal Credit Opportunity Act (ECOA): Federal law prohibiting discrimination in lending practices based on race, color, religion, national origin, sex, marital status, age, or source of income

Federal Trade Commission Act: Prohibits unfair or deceptive practices in commerce, including lending and financing arrangements

Bank Secrecy Act: Requires financial institutions to assist government agencies in detecting and preventing money laundering in financing transactions

Dodd-Frank Act: Comprehensive financial reform legislation affecting lending practices, consumer protection, and financial institution oversight

State UCC Variations: State-specific modifications and adoptions of the UCC that may affect secured transactions and sales

State Usury Laws: State-specific restrictions on interest rates and finance charges that can be legally charged in lending arrangements

State Lending License Requirements: State-specific requirements for obtaining and maintaining licenses to engage in lending activities

CFPB Regulations: Consumer Financial Protection Bureau regulations governing consumer financial products and services, including lending practices

Motor Vehicle Sales Finance Act: Specific regulations governing financing of motor vehicles, particularly relevant if the floor plan financing involves automotive inventory

UCC Security Interest Requirements: Specific rules regarding the creation, perfection, and priority of security interests in financed inventory

U.S. Bankruptcy Code: Federal bankruptcy laws affecting creditor rights and priorities in the event of dealer bankruptcy, including automatic stay provisions