Truth in Lending Act (TILA): Federal law that requires lenders to provide standardized disclosures about terms and costs associated with lending, ensuring transparency in consumer credit transactions

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

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

Fair Debt Collection Practices Act (FDCPA): Federal law limiting the behavior and actions of debt collectors who are attempting to collect debts on behalf of another person or entity

Dodd-Frank Act: Comprehensive federal law reforming financial regulation, including consumer protection provisions and creation of the Consumer Financial Protection Bureau

Regulation Z: Federal Reserve regulation implementing TILA, providing specific rules and procedures for consumer credit disclosure

State Usury Laws: State-specific laws that set maximum interest rates that can be charged on loans

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

Uniform Commercial Code (UCC): Comprehensive set of laws governing commercial transactions, particularly Article 3 (Negotiable Instruments) and Article 9 (Secured Transactions)

CFPB Regulations: Rules and guidelines issued by the Consumer Financial Protection Bureau governing consumer financial products and services

Statute of Frauds: Legal requirement that certain contracts, including those involving significant loan amounts, must be in writing to be enforceable

E-SIGN Act: Federal law ensuring the legal validity of electronic signatures and records in interstate commerce