Truth in Lending Act (TILA): Federal law requiring lenders to provide standardized disclosures about loan terms and costs to promote informed borrowing decisions

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

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 lending practices and consumer protection

Regulation Z: Federal Reserve Board regulation implementing TILA, providing specific rules for disclosure of lending terms

State Usury Laws: State-specific laws that set maximum interest rates that can be charged on loans

UCC Article 3: Uniform Commercial Code article governing negotiable instruments, including promissory notes

UCC Article 9: Uniform Commercial Code article governing secured transactions, applicable if the loan is secured by collateral

State Statute of Limitations: State-specific time limits for bringing legal action to collect on a debt

State Notarization Requirements: State-specific rules regarding when and how documents must be notarized

State Disclosure Requirements: State-specific rules about what information must be disclosed to borrowers

SEC Regulations: Federal securities regulations that may apply to certain business loans or notes

SBA Requirements: Small Business Administration rules and requirements that may apply to certain business loans

State Consumer Protection Laws: State-specific laws designed to protect consumers in lending transactions

Federal Consumer Protection Laws: Federal laws and regulations designed to protect consumers in lending transactions