Truth in Lending Act (TILA) and Regulation Z: Federal law requiring disclosure of credit terms and standardizing how 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 consumer protection provisions and banking regulations

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

UCC Article 9: Uniform Commercial Code article governing secured transactions, relevant if the line of credit is secured by collateral

State Usury Laws: State-specific laws that set maximum interest rates and regulate other lending terms

State Banking Codes: State-specific regulations governing banking operations and lending practices

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

CFPB Regulations: Consumer Financial Protection Bureau rules governing consumer lending practices and disclosures

Federal Reserve Requirements: Banking regulations and requirements set by the Federal Reserve that affect lending practices

Securities Laws: Federal and state laws governing the sale or securitization of promissory notes

Bankruptcy Laws: Federal laws affecting the enforceability of promissory notes in bankruptcy proceedings