Federal Securities Laws: Including Securities Act of 1933, Securities Exchange Act of 1934, Investment Company Act of 1940, and Dodd-Frank Act. These determine if the RBF agreement constitutes a security.

Federal Lending Laws: Including Truth in Lending Act (TILA), Equal Credit Opportunity Act (ECOA), and Fair Credit Reporting Act (FCRA). These govern lending practices and credit reporting requirements.

State Securities Laws: 'Blue Sky Laws' that regulate securities offerings and sales at the state level, varying by jurisdiction.

State Usury Laws: Laws that regulate maximum interest rates and charges that can be imposed on financing arrangements, varying by state.

State Lending License Requirements: State-specific requirements for licenses needed to engage in lending or financing activities.

State Commercial Finance Disclosure Laws: Specific disclosure requirements for commercial financing, particularly notable in states like California and New York.

Uniform Commercial Code Article 9: Governs security interests in personal property and provides rules for creating and perfecting security interests.

State Contract Laws: General contract law principles and requirements that vary by state and govern the formation and enforcement of contracts.

Internal Revenue Code: Tax provisions regarding interest treatment, income characterization, and tax reporting requirements for RBF arrangements.

Consumer Protection Laws: Including Federal Trade Commission Act and state UDAAP laws protecting against unfair, deceptive, or abusive practices.

U.S. Bankruptcy Code: Federal laws governing bankruptcy proceedings, creditor rights, and remedies in case of default or bankruptcy.