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 providing a comprehensive framework for consumer credit rights and protections
Fair Credit Reporting Act: Federal legislation governing the collection, dissemination, and use of consumer credit information
Equal Credit Opportunity Act: Federal law prohibiting discrimination in credit transactions based on race, color, religion, national origin, sex, marital status, age, or public assistance status
Federal Trade Commission Act: Federal law prohibiting unfair or deceptive practices in commerce, including consumer credit transactions
E-SIGN Act: Federal law ensuring the legal validity of electronic signatures and records in interstate commerce
State Usury Laws: State-specific regulations setting maximum legal interest rates and terms for lending transactions
State Consumer Protection Laws: State-specific regulations protecting consumers from unfair practices in commercial transactions
State Contract Laws: State-specific regulations governing the formation and enforcement of contracts
State Installment Sales Acts: State-specific laws regulating retail sales made on an installment basis
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
Bankruptcy Code: Federal laws affecting creditor rights and debt collection in bankruptcy situations
Fair Debt Collection Practices Act: Federal law regulating the conduct of debt collectors and protecting consumers from abusive collection practices
Statute of Frauds: Legal doctrine requiring certain types of contracts to be in writing to be enforceable
