Truth in Lending Act (TILA): Federal law requiring clear disclosure of lending terms and standardized calculation of finance charges and annual percentage rates.

Consumer Leasing Act (CLA): Federal regulation requiring specific disclosures about lease costs and terms to help consumers compare lease offers.

Federal Trade Commission Regulations: Federal guidelines governing fair business practices and consumer protection in lease-to-own transactions.

Equal Credit Opportunity Act: Federal law prohibiting discrimination in credit transactions based on race, color, religion, national origin, sex, marital status, or age.

Fair Credit Reporting Act: Federal law regulating the collection and use of consumer credit information in lease-to-own transactions.

State Vehicle Code: State-specific laws governing vehicle operations, ownership transfer, and registration requirements.

State Consumer Protection Laws: State-specific regulations protecting consumers from unfair practices in vehicle lease-to-own agreements.

State Contract Laws: State-specific regulations governing the formation and enforcement of contracts, including lease agreements.

State Usury Laws: State-specific regulations limiting maximum interest rates and finance charges that can be charged in lease-to-own agreements.

UCC Article 2A: Uniform Commercial Code article specifically governing lease transactions, including rights and obligations of parties.

UCC Article 9: Uniform Commercial Code article governing secured transactions, relevant for security interests in lease-to-own vehicles.

DMV Requirements: State Department of Motor Vehicles specific requirements for vehicle registration and title transfer in lease-to-own situations.

Insurance Requirements: State-mandated insurance coverage requirements for leased vehicles and responsibility allocation between parties.

Registration Requirements: State-specific vehicle registration requirements and procedures during lease-to-own period.

Local Tax Regulations: Local and state tax implications and requirements for lease-to-own vehicle transactions.