Truth in Lending Act (TILA): Federal law requiring clear disclosure of lending terms and costs to protect consumers in credit transactions

Consumer Credit Protection Act: Federal law that protects consumers in various credit transactions and establishes requirements for credit reporting

Federal Trade Commission Act: Prohibits unfair or deceptive practices in commerce, including consumer financing

Equal Credit Opportunity Act: Ensures equal access to credit and prohibits discrimination in credit transactions

Fair Credit Reporting Act: Regulates the collection and use of consumer credit information

UCC Article 2: Uniform Commercial Code article governing sales of goods, including installment sales

UCC Article 9: Uniform Commercial Code article governing secured transactions and security interests in personal property

State Consumer Protection Laws: State-specific laws designed to protect consumers from fraudulent or unfair business practices in financing transactions

State Usury Laws: State-specific regulations limiting maximum interest rates and governing finance charges

State Financing Regulations: State-specific rules governing financing and lending practices within the state jurisdiction

Federal Reserve Board Regulations: Federal banking regulations affecting consumer credit and financing transactions

CFPB Guidelines: Consumer Financial Protection Bureau guidelines for consumer financial products and services

Motor Vehicle Sales Finance Acts: Specific regulations governing financing of motor vehicle purchases, if applicable

RESPA: Real Estate Settlement Procedures Act - applies if the hire purchase agreement involves real estate

Disclosure Requirements: Mandatory documentation requirements including disclosure statements, notices, cooling-off periods, and cancellation rights