Truth in Lending Act (TILA): Federal law requiring lenders to provide standardized disclosures about loan terms and costs to protect consumers and enable comparison shopping for credit

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

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

Dodd-Frank Act: Comprehensive financial reform legislation that includes provisions affecting private lending and consumer protection in financial transactions

Regulation Z: Federal Reserve Board regulation implementing TILA, providing specific rules for disclosures in lending transactions

State Usury Laws: State-specific laws that set maximum legal interest rates for loans and specify penalties for exceeding these rates

State Licensing Requirements: State-specific regulations determining whether private lenders need licenses or permits to conduct lending activities

Uniform Commercial Code (UCC): Standardized set of laws governing commercial transactions, particularly relevant for secured lending and collateral

IRS Regulations: Federal tax requirements regarding the reporting of interest income and documentation requirements for lending transactions

Anti-Predatory Lending Laws: State and federal laws designed to prevent abusive lending practices and protect borrowers from unfair loan terms

Consumer Protection Laws: Various state and federal laws designed to protect consumer rights in financial transactions and ensure fair lending practices

Documentation Requirements: Legal requirements for loan documentation including APR disclosure, payment terms, default provisions, and collateral descriptions