Truth in Lending Act (TILA) and Regulation Z: Federal law that requires lenders to provide standardized disclosures about terms and costs associated with lending. Critical for consumer credit transactions and disclosure requirements.

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

Fair Credit Reporting Act (FCRA): Federal law regulating the collection, dissemination, and use of consumer credit information, including requirements for credit reporting and credit checks.

Uniform Commercial Code (UCC) Article 9: Governs secured transactions and provides rules for creation, perfection, and enforcement of security interests in personal property. Essential for structuring the security aspects of the agreement.

Federal Reserve Board Regulations: Various regulations governing lending practices, reserve requirements, and banking operations that may affect loan terms and conditions.

Bank Secrecy Act (BSA): Requires financial institutions to assist government agencies in detecting and preventing money laundering, including customer identification and transaction reporting requirements.

Dodd-Frank Act: Comprehensive financial reform legislation affecting lending practices, risk management, and consumer protection in financial transactions.

State Usury Laws: State-specific limitations on interest rates and loan charges that can be assessed on various types of loans.

State Lending License Requirements: State-specific requirements for obtaining and maintaining licenses to engage in lending activities within the state.

State Security Interest Requirements: State-specific rules governing the creation, perfection, and enforcement of security interests in various types of collateral.

RESPA: Real Estate Settlement Procedures Act - Federal law governing real estate lending practices and requiring specific disclosures for real estate transactions.

CFPB Regulations: Consumer Financial Protection Bureau regulations governing consumer lending practices, disclosures, and consumer protection requirements.

UCC Filing Requirements: Specific requirements for filing UCC financing statements to perfect security interests in collateral under the agreement.

Perfection Requirements: Legal requirements for ensuring security interests are properly perfected and maintain priority over other creditors' claims.

Recording Requirements: State and local requirements for recording security interests in real property and certain types of personal property.