Truth in Lending Act (TILA) and Regulation Z: Federal law that requires lenders to provide standardized disclosures about loan terms and costs, protecting consumers in 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 whether applicant receives public assistance

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

UCC Article 9 - Secured Transactions: Uniform Commercial Code article governing secured transactions, including creation and perfection of security interests in collateral

UCC Article 2 - Sales: Uniform Commercial Code article covering the sale of goods, which may be relevant if the collateral involves sale of goods

UCC Article 3 - Negotiable Instruments: Uniform Commercial Code article governing negotiable instruments, including promissory notes used in lending

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

State Consumer Protection Laws: State-specific regulations protecting consumers in lending transactions and defining required disclosures

Security Interest Perfection Rules: Legal requirements for properly recording and perfecting security interests in collateral to ensure priority

CFPB Regulations: Consumer Financial Protection Bureau rules governing consumer lending practices and consumer protection

Fair Debt Collection Practices Act: Federal law restricting debt collection practices and protecting borrowers from abusive collection tactics

SEC Regulations: Securities and Exchange Commission rules that may apply to certain business lending arrangements

Federal Bankruptcy Code: Federal laws governing bankruptcy proceedings and creditor rights in bankruptcy

State Bankruptcy Exemptions: State-specific rules determining what property is exempt from creditor claims in bankruptcy