Truth in Lending Act (TILA): Federal law that requires lenders to provide standardized disclosures about terms and costs associated with lending, ensuring transparency in consumer credit transactions.

Equal Credit Opportunity Act (ECOA): Federal law prohibiting discrimination in lending based on race, color, religion, national origin, sex, marital status, age, or participation in public assistance programs.

Fair Credit Reporting Act (FCRA): Federal law regulating the collection, dissemination, and use of consumer credit information, ensuring fair and accurate credit reporting.

Dodd-Frank Act: Comprehensive financial reform legislation that established enhanced consumer protection and regulatory oversight in the financial sector, including lending practices.

Federal Reserve Regulation Z: Implements the Truth in Lending Act and prescribes uniform methods for computing the cost of credit, disclosure of credit terms, and procedures for resolving billing errors.

State Usury Laws: State-specific regulations that set maximum interest rates that lenders can charge on loans, varying by jurisdiction.

State Lending License Requirements: State-specific regulations determining who can issue loans and under what conditions, including licensing and registration requirements.

IRC Section 108: Internal Revenue Code section governing the tax treatment of debt forgiveness, including when forgiven debt is considered taxable income.

Form 1099-C Requirements: IRS reporting requirements for cancelled debt, mandating lenders to report forgiven debt amounts exceeding $600.

CFPB Regulations: Consumer Financial Protection Bureau rules governing consumer lending practices, including disclosure requirements and prohibited practices.

Uniform Commercial Code: Standardized set of laws governing commercial transactions, including secured transactions and negotiable instruments.

Statute of Frauds: Legal requirement that certain contracts, including loan agreements exceeding specific amounts, must be in writing to be enforceable.