Truth in Lending Act (TILA): Federal law requiring disclosure of key terms and costs in lending agreements to ensure borrowers understand the terms of their loan. Applies primarily to consumer credit transactions.

State Usury Laws: State-specific regulations that set maximum interest rate limits, regulate late fees and penalties, and provide different rules for personal versus commercial loans.

Statute of Frauds: Legal requirement that certain contracts must be in writing, particularly relevant for loans over certain amounts (typically $500). Specific requirements vary by state.

Fair Debt Collection Practices Act (FDCPA): Federal law governing debt collection practices and procedures, which must be considered when including enforcement terms in the loan agreement.

Uniform Commercial Code (UCC): Comprehensive set of laws governing commercial transactions, including Article 3 (negotiable instruments) and Article 9 (secured transactions with collateral).

State-Specific Contract Laws: Individual state laws governing contract formation, enforcement provisions, and remedies for breach that must be considered in drafting loan agreements.

Federal Reserve Board Regulations: Banking regulations including Regulation Z (which implements TILA) and other relevant banking rules that affect loan agreements and their terms.