Truth in Lending Act (TILA): Federal law requiring disclosure of key terms and costs in lending agreements, including specific regulations on how interest rates and fees must be disclosed to borrowers

Uniform Commercial Code (UCC) Article 9: Federal commercial code governing secured transactions, providing comprehensive rules for creation, perfection, and enforcement of security interests in collateral

Federal Trade Commission Act: Federal legislation that prohibits unfair or deceptive practices in lending activities and protects consumers from predatory lending practices

Equal Credit Opportunity Act (ECOA): Federal law that prohibits discrimination in lending based on protected characteristics such as race, color, religion, national origin, sex, marital status, or age

State Usury Laws: State-specific regulations that govern maximum allowable interest rates and establish penalties for violations of these rate caps

State UCC Variations: State-specific modifications and interpretations of the Uniform Commercial Code that may affect secured transactions within that jurisdiction

State Consumer Protection Laws: State-level regulations providing additional disclosure requirements and specific consumer rights in lending transactions

State Security Interest Laws: State-specific requirements for perfecting security interests and filing requirements for secured transactions

Dodd-Frank Act: Federal legislation providing additional consumer protection measures and regulatory requirements for financial institutions in lending practices

Fair Credit Reporting Act: Federal law governing the collection, dissemination, and use of consumer credit information in lending decisions

Bankruptcy Code: Federal laws affecting how secured interests and loans are treated in bankruptcy proceedings, including provisions for automatic stays and creditor rights