Truth in Lending Act (TILA): Federal law that requires lenders to provide standardized disclosures about terms and costs associated with lending arrangements

Equal Credit Opportunity Act (ECOA): Prohibits discrimination in credit transactions based on race, color, religion, national origin, sex, marital status, age, or public assistance status

Fair Credit Reporting Act (FCRA): Regulates the collection, dissemination, and use of consumer credit information, relevant when evaluating guarantors

Federal Trade Commission Act: Prohibits unfair or deceptive practices in commerce, including lending and guarantee arrangements

UCC Article 3: Uniform Commercial Code provisions governing negotiable instruments and the rights and obligations of parties involved

State Consumer Protection Laws: State-specific regulations protecting consumers in financial transactions, including guarantees

State Guaranty Laws: State-specific regulations governing the formation, enforcement, and limitations of guaranty agreements

State Statute of Frauds: Requires certain contracts, including guarantees, to be in writing to be enforceable

State Usury Laws: Regulations limiting maximum interest rates and charges that can be imposed on loans

Contract Formation Requirements: Common law principles regarding offer, acceptance, consideration, and mutual intent to create binding obligations

Capacity Requirements: Legal requirements regarding parties' mental and legal capacity to enter into binding contracts

Statute of Limitations: Time limits for bringing legal actions to enforce guaranty agreements

Banking Regulations: Federal and state regulations governing financial institutions' lending and guarantee practices

Bankruptcy Laws: Federal laws affecting the enforcement of guarantees when either the primary debtor or guarantor files for bankruptcy

Uniform Fraudulent Transfer Act: Protects creditors from debtors transferring assets to avoid payment obligations