Truth in Lending Act (TILA): Federal law requiring disclosure of key terms and costs in lending agreements, including APR, finance charges, and payment terms

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

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

Dodd-Frank Act: Comprehensive financial reform legislation that established the CFPB and introduced various consumer protection measures in lending

Securities Act of 1933: Federal law that may apply if the P2P loan structure could be considered a security, requiring registration or exemption

State Usury Laws: State-specific laws that set maximum interest rates and regulate lending terms within each jurisdiction

State Lending License Requirements: State-specific regulations determining whether lenders need special licenses or permits to engage in lending activities

State Consumer Protection Laws: State-specific laws designed to protect consumers from unfair lending practices and ensure adequate disclosure

State Contract Laws: State-specific laws governing contract formation, enforcement, and remedies that apply to loan agreements

CFPB Regulations: Federal regulations issued by the Consumer Financial Protection Bureau governing consumer lending practices and disclosures

FTC Regulations: Federal Trade Commission rules governing fair lending practices and consumer protection in financial transactions

State Banking Regulations: Regulations issued by state banking departments governing lending activities within their jurisdiction

IRS Regulations: Federal tax regulations regarding the reporting of interest income and other tax implications of P2P lending