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

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

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

Fair Debt Collection Practices Act (FDCPA): Federal law limiting the behavior and actions of debt collectors who are attempting to collect debts on behalf of creditors

E-SIGN Act: Federal law ensuring the legal validity of electronic signatures and records in interstate commerce

State Usury Laws: State-specific laws that set maximum interest rates and regulate lending practices within each state's jurisdiction

State Consumer Protection Laws: State-specific laws designed to protect consumers from unfair practices and ensure fair trade competition

Uniform Commercial Code (UCC): Comprehensive set of laws governing commercial transactions, particularly Article 2 (Sales) and Article 9 (Secured Transactions)

CFPB Regulation Z: Federal regulation implementing TILA, providing specific rules for credit terms disclosure and consumer protections

Electronic Funds Transfer Act: Federal law providing a framework for establishing rights and responsibilities of participants in electronic fund transfer systems

Regulation E: Federal regulation implementing the Electronic Funds Transfer Act, establishing rules for electronic banking transactions