Truth in Lending Act (TILA) and Regulation Z: Federal legislation requiring disclosure of credit terms, interest rates, and fees. Includes consumer protection provisions and standardized disclosure format requirements.

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

Fair Credit Reporting Act (FCRA): Federal law governing the collection, dissemination, and use of consumer credit information, including requirements for credit reporting and information sharing.

Dodd-Frank Act: Comprehensive financial reform legislation including consumer protection provisions and CFPB regulations affecting lending practices and disclosure requirements.

Bank Secrecy Act (BSA): Federal law requiring financial institutions to assist government agencies in detecting and preventing money laundering, including KYC requirements.

State Usury Laws: State-specific regulations governing maximum interest rates and fee restrictions for lending transactions.

State Lending Regulations: State-specific requirements for lending operations, including licensing requirements and additional disclosure obligations.

State Consumer Protection Laws: State-level legislation providing additional consumer safeguards and disclosure requirements beyond federal protections.

Uniform Commercial Code (UCC): Standardized commercial laws adopted by states, particularly Article 9 governing secured transactions, perfection, and priority rules.

Federal Reserve Regulations: Banking regulations including Regulation U for margin requirements and other applicable banking rules affecting lending practices.

LIBOR Transition Requirements: Regulations and guidance regarding the transition from LIBOR to alternative reference rates like SOFR, including required fallback provisions.

Bankruptcy Code: Federal bankruptcy laws affecting lending agreements, including automatic stay provisions and creditor priority rules in bankruptcy proceedings.