Truth in Lending Act (TILA): Federal law requiring lenders to provide standardized disclosures about loan terms and costs to promote informed borrowing decisions

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

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

Consumer Credit Protection Act: Comprehensive federal law providing a range of protections for consumers in credit transactions

Dodd-Frank Act: Federal legislation implementing financial regulatory reform and consumer protection measures in response to the 2008 financial crisis

State Usury Laws: State-specific regulations governing maximum permissible interest rates and related loan charges

Statute of Frauds: Legal requirement that certain contracts, including guarantees, must be in writing to be enforceable

Uniform Commercial Code: Standardized set of laws governing commercial transactions, particularly Articles 3 and 9 relating to negotiable instruments and secured transactions

Bankruptcy Code: Federal laws governing bankruptcy proceedings and their impact on guarantee agreements

State Consumer Protection Laws: State-specific regulations providing additional consumer protections in lending and guarantee transactions

Plain Language Requirements: Legal requirements that guarantee agreements must be written in clear, understandable language for the average consumer

Fraudulent Transfer Laws: Laws preventing the transfer of assets to avoid creditor claims, which can affect guarantee enforcement