Truth in Lending Act (TILA) - Regulation Z: Federal law requiring lenders to provide standardized disclosures about loan terms and costs, ensuring transparency in consumer credit transactions.

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

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

Fair Debt Collection Practices Act (FDCPA): Federal law regulating the conduct of debt collectors and protecting borrowers from abusive collection practices.

Uniform Commercial Code (UCC) Article 9: Governs secured transactions, including the creation and enforcement of security interests in personal property used as collateral.

State Usury Laws: State-specific regulations that set maximum interest rates that can be charged on loans to prevent predatory lending.

State Consumer Protection Laws: State-specific regulations designed to protect consumers from unfair or deceptive lending practices.

State Secured Transaction Requirements: State-specific rules governing how security interests must be documented, registered, and enforced.

Military Lending Act: Federal law providing special protections for active duty service members and their dependents in consumer credit transactions.

State Predatory Lending Laws: State-specific regulations aimed at preventing abusive lending practices and protecting vulnerable borrowers.

Security Interest Perfection Requirements: Legal requirements for properly recording and establishing priority rights in collateral, including UCC filing requirements.

Disclosure Requirements: Federal and state mandated information that must be provided to borrowers, including APR, finance charges, and payment terms.