Truth in Lending Act (TILA) and Regulation Z: Federal law requiring lenders to disclose key terms and costs in lending transactions, including APR, finance charges, and payment terms

Fair Credit Reporting Act (FCRA): Federal law governing the collection, dissemination, and use of consumer credit information in lending decisions

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

Dodd-Frank Act: Comprehensive financial reform legislation that includes provisions for consumer protection in lending and financial services

CFPB Regulations: Federal regulations implemented by the Consumer Financial Protection Bureau overseeing consumer financial products and services

State Usury Laws: State-specific laws that set maximum interest rates and regulate other lending terms within the state's jurisdiction

State Lending Regulations: State-specific rules governing lending practices, licensing requirements, and consumer protections within each state

SEC Regulations: Federal securities regulations that may apply if the loan is securitized or sold as an investment product

Bank Secrecy Act: Federal law requiring financial institutions to assist government agencies in detecting and preventing money laundering

Interest-Only Payment Disclosure Requirements: Specific regulations requiring clear disclosure of interest-only payment periods, terms, and risks to borrowers

Ability-to-Repay Rules: Federal regulations requiring lenders to verify borrowers' ability to repay loans, including the principal balance after the interest-only period