Truth in Lending Act (TILA): Federal law requiring disclosure of credit terms and standardizing the manner in which costs associated with borrowing are calculated and disclosed

Equal Credit Opportunity Act (ECOA): Federal law that prohibits discrimination in lending based on race, color, religion, national origin, sex, marital status, age, or whether applicant receives 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 lending practices and consumer protection in financial transactions

Federal Reserve Regulation Z: Implements the Truth in Lending Act and establishes rules for consumer lending disclosures

State Usury Laws: State-specific laws that set maximum interest rates and regulate other loan charges

UCC Article 3: Uniform Commercial Code article governing negotiable instruments and their handling in commercial transactions

UCC Article 9: Uniform Commercial Code article governing secured transactions and the rights of creditors in secured lending

Securities Exchange Act: Federal law that may apply if the loan agreement could be classified as a security

Bank Secrecy Act: Federal law requiring financial institutions to assist government agencies in detecting and preventing money laundering

CFPB Regulations: Consumer Financial Protection Bureau regulations governing consumer lending practices and protection

State Contract Laws: State-specific laws governing the formation, execution, and enforcement of contracts

State Documentation Requirements: State-specific requirements for loan documentation, including recording, filing, and notarization requirements