Truth in Lending Act (TILA): Federal law that requires lenders to provide standardized disclosures about credit terms and costs.

Equal Credit Opportunity Act (ECOA): Federal law prohibiting discrimination in lending practices based on race, color, religion, national origin, sex, marital status, age, or source of income.

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

Uniform Commercial Code (UCC) Article 9: Governs secured transactions and provides rules for creation and enforcement of security interests in personal property.

Federal Reserve Regulations: Set of rules governing monetary policy and banking operations in the United States.

Bank Secrecy Act: Requires financial institutions to assist government agencies in detecting and preventing money laundering.

Dodd-Frank Act: Comprehensive financial reform legislation affecting lending practices and financial institution oversight.

State Usury Laws: State-specific regulations that set maximum interest rates that can be charged on loans.

State Contract Laws: State-specific regulations governing formation and enforcement of contracts.

State Commercial Codes: State-specific versions of the UCC and other commercial regulations.

State Licensing Requirements: State-specific rules regarding licensing for lending activities.

State Securities Laws: State-specific regulations governing securities and financial instruments.

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

Internal Revenue Code: Federal tax laws affecting the treatment of loan transactions and interest payments.

Corporate Authority Requirements: Rules governing corporate power to enter into loan agreements and required approvals.

Fraudulent Transfer Laws: Laws preventing transfers made to defraud creditors or made without reasonable consideration.