Truth in Lending Act (TILA): Federal law requiring disclosure of credit terms and standardized calculation of finance charges and annual percentage rates

Dodd-Frank Act: Federal legislation providing comprehensive financial regulation and consumer protection, including specific provisions for seller financing

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

Fair Credit Reporting Act: Federal law regulating the collection, dissemination, and use of consumer credit information

State Usury Laws: State-specific regulations determining maximum legal interest rates that can be charged on financed amounts

State Seller Financing Regulations: State-specific rules governing owner/seller financing arrangements and required disclosures

Uniform Commercial Code: Standardized set of business laws regulating financial contracts and transactions, particularly Articles 2 (Sales) and 9 (Secured Transactions)

Internal Revenue Code: Federal tax regulations affecting owner financing, including treatment of interest income and capital gains

State Business Licensing Requirements: State-specific regulations governing business operations and licensing for financing activities

Securities Regulations: Federal and state laws governing financial instruments that might apply if the financing arrangement constitutes a security

Bankruptcy Code: Federal laws governing creditor rights, default provisions, and remedies in case of bankruptcy

State Property Laws: State-specific regulations governing property rights, transfers, and security interests in business assets