Truth in Lending Act (TILA) and Regulation Z: Federal law requiring clear disclosure of credit terms, specific formatting for cost disclosures, and regulation of credit terms advertising. Includes mandatory disclosure requirements and standardized format for presenting credit costs and terms.

Fair Credit Reporting Act (FCRA): Federal legislation governing the collection, dissemination, and use of consumer credit information. Includes requirements for disclosure of credit report usage and consumer rights regarding their credit information.

Equal Credit Opportunity Act (ECOA): Federal law prohibiting discrimination in credit transactions based on race, color, religion, national origin, sex, marital status, age, or public assistance receipt. Requires creditors to notify applicants of adverse actions.

Federal Trade Commission Act: Federal legislation prohibiting unfair or deceptive practices in commerce, including consumer credit practices. Provides framework for consumer protection in credit transactions.

State Retail Installment Sales Acts: State-specific laws governing retail installment sales, including maximum interest rates, required disclosures, and consumer rights. Varies by jurisdiction but typically sets framework for retail credit agreements.

State Usury Laws: State-level regulations establishing maximum legal interest rates and fee limitations for credit transactions. Varies by state and type of transaction.

State Consumer Protection Laws: State-specific legislation providing additional consumer protections, including disclosure requirements, cooling-off periods, and cancellation rights for credit agreements.

State Finance Charge Regulations: State-level rules governing calculation methods for finance charges, permitted fees, and other charges in retail installment agreements. Includes specific requirements for disclosure and computation.