Truth in Lending Act (TILA): Federal law requiring clear disclosure of lending terms and costs to protect consumers in credit transactions

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

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

Dodd-Frank Act: Comprehensive financial reform legislation that established the CFPB and implemented various financial regulations post-2008 crisis

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

Securities Act of 1933: Requires registration of securities offerings and detailed financial and business information disclosure

Securities Exchange Act of 1934: Governs secondary market trading and establishes the SEC's regulatory authority

Investment Company Act of 1940: Regulates investment companies and their products, including registration and disclosure requirements

Federal Reserve Regulations: Central bank guidelines governing monetary policy, bank operations, and lending practices

State Usury Laws: State-specific regulations that set maximum interest rates and govern lending terms within each jurisdiction

Uniform Commercial Code Article 9: Governs secured transactions and provides framework for creation and enforcement of security interests in personal property

CFPB Regulations: Federal consumer financial protection rules covering lending practices, disclosures, and consumer rights

Blue Sky Laws: State-specific securities laws that regulate the offering and sale of securities to protect investors from fraudulent activities

Anti-Money Laundering Regulations: Requirements for financial institutions to maintain programs to detect and report suspicious activities and prevent money laundering

State Lending License Requirements: State-specific licensing and registration requirements for entities engaged in lending activities