Truth in Lending Act (TILA) and Regulation Z: Federal law requiring clear disclosure of loan terms, APR calculations and disclosure, payment schedule details, and total cost of borrowing

Fair Credit Reporting Act (FCRA): Federal law governing credit reporting obligations and information handling requirements for lenders

Equal Credit Opportunity Act (ECOA): Federal law establishing non-discrimination provisions and fair lending practices requirements

E-SIGN Act: Federal law governing electronic signatures and digital execution of agreements

State Usury Laws: State-specific laws regulating maximum interest rate limits and late fee restrictions

State Consumer Protection Laws: State-specific requirements for disclosures, cooling-off periods, and prepayment penalty regulations

State Contract Laws: State-specific requirements for contract formation and enforcement provisions

State Licensing Requirements: State-specific obligations for lender licensing and registration

Uniform Commercial Code (UCC): State-adopted uniform laws, particularly Article 3 (Negotiable Instruments) and Article 9 (Secured Transactions) if collateral is involved

Dodd-Frank Act: Federal law establishing various financial regulations that may apply depending on the type of loan

CFPB Regulations: Consumer Financial Protection Bureau regulations establishing various consumer protection requirements for lending