Truth in Lending Act (TILA): Federal law requiring lenders to provide standardized disclosures about loan terms and costs, protecting consumers from unfair lending practices

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 participation

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

Consumer Credit Protection Act: Comprehensive federal law protecting consumers in credit transactions, including regulations on garnishment and debt collection

Dodd-Frank Act: Federal legislation establishing consumer protection regulations and financial industry reforms, including creation of the Consumer Financial Protection Bureau

Federal Reserve Regulation Z: Implementation regulation for TILA, providing specific requirements for disclosures, advertising, and other aspects of consumer credit

State Usury Laws: State-specific regulations setting maximum legal interest rates and defining usurious lending practices

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

State Contract Laws: State-specific requirements for valid contract formation, enforcement, and remedies

UCC Article 3: Uniform Commercial Code provisions governing negotiable instruments, including promissory notes and drafts

UCC Article 9: Uniform Commercial Code provisions governing secured transactions and creation of security interests in personal property

Securities Laws: Federal and state regulations that may apply if the loan arrangement could be classified as a security

Banking Regulations: Federal and state banking laws governing institutional lending practices and requirements

Bankruptcy Laws: Federal laws affecting creditor rights and loan enforcement in case of borrower bankruptcy

Documentation Requirements: State-specific requirements for document execution, including notarization and recording requirements for secured loans