Uniform Commercial Code (UCC): Primary state law governing commercial transactions, particularly Article 9 (Secured Transactions), Article 2 (Sales), and Article 3 (Negotiable Instruments). Essential for structuring the purchase and transfer of receivables.

Truth in Lending Act (TILA): Federal law requiring disclosure of key credit terms and costs to borrowers. Must be considered when the underlying receivables involve consumer credit.

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

Equal Credit Opportunity Act (ECOA): Federal law prohibiting discrimination in credit transactions. Must be considered in the context of the original credit relationships underlying the receivables.

Fair Debt Collection Practices Act (FDCPA): Federal law governing debt collection practices. Relevant for the servicing and collection of purchased receivables.

Securities Laws: Including Securities Act of 1933 and Securities Exchange Act of 1934, plus Regulation AB for securitization. Essential if the receivables purchase structure involves securities.

Bank Secrecy Act and USA PATRIOT Act: Federal laws requiring programs to prevent money laundering and terrorist financing. Must be considered in customer due diligence and transaction monitoring.

State-Specific Laws: Including state usury laws, licensing requirements, and consumer protection regulations. Vary by jurisdiction and must be considered based on the location of the parties and receivables.

Bankruptcy Code: Federal law governing bankruptcy proceedings, particularly important for true sale provisions and bankruptcy remoteness considerations in receivables purchases.

Tax Regulations: Internal Revenue Code provisions and state tax regulations affecting the tax treatment of receivables purchases and transfers.

Privacy Laws: Including Gramm-Leach-Bliley Act and state privacy laws, governing the handling of personal financial information in receivables transactions.