Truth in Lending Act (TILA) and Regulation Z: Federal law requiring disclosure of credit terms and standardizing how costs associated with borrowing are calculated and disclosed

Equal Credit Opportunity Act (ECOA): Federal law that prohibits credit discrimination on the basis of race, color, religion, national origin, sex, marital status, age, or whether you receive public assistance

Fair Credit Reporting Act (FCRA): Federal law that regulates the collection of credit information and access to credit reports

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

Dodd-Frank Act: Comprehensive financial reform legislation that includes consumer protection provisions and financial institution regulations

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

UCC Article 9: Uniform Commercial Code article governing secured transactions and creation/perfection of security interests

UCC Article 3: Uniform Commercial Code article governing negotiable instruments, including promissory notes

UCC Article 1: Uniform Commercial Code general provisions applying to commercial transactions

CFPB Regulations: Consumer Financial Protection Bureau regulations governing consumer financial products and services

State Consumer Protection Laws: State-specific laws designed to protect consumers from unfair or deceptive lending practices

RESPA: Real Estate Settlement Procedures Act - applies if the line of credit is secured by real estate

Federal Reserve Board Regulations: Regulations issued by the Federal Reserve that govern banking practices and lending operations

State Security Interest Laws: State-specific laws governing how security interests are created, maintained, and enforced

Disclosure Requirements: Both federal and state-mandated disclosures that must be included in lending documents