Truth in Lending Act (TILA): Federal law requiring clear disclosure of lending terms and standardized calculations of interest rates and fees in consumer credit transactions

Consumer Credit Protection Act: Comprehensive federal law that regulates the consumer credit industry and provides protection for consumers in credit transactions

Equal Credit Opportunity Act: Prohibits discrimination in credit transactions based on race, color, religion, national origin, sex, marital status, age, or source of income

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

Federal Trade Commission Act: Prohibits unfair or deceptive acts or practices in commerce and provides consumer protection framework

Uniform Commercial Code (UCC): State-adopted uniform law governing commercial transactions, particularly Article 2 (Sales) and Article 9 (Secured Transactions)

State Retail Installment Sales Acts: State-specific laws regulating retail installment contracts, including disclosure requirements and consumer protections

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

Motor Vehicle Sales Finance Acts: Specific regulations governing installment sales of motor vehicles, including disclosure requirements and consumer protections

Real Estate Settlement Procedures Act (RESPA): Federal law governing real estate transactions, including requirements for disclosures and prohibited practices

Fair Debt Collection Practices Act: Federal law restricting the actions of debt collectors and providing consumer protections in debt collection

UCC Filing Requirements: Rules governing the filing of financing statements and other documents to perfect security interests in personal property