Truth in Lending Act (TILA): Federal law that requires lenders to provide standardized disclosures about credit terms and costs. Essential for ensuring transparency in secured loan agreements.

Equal Credit Opportunity Act (ECOA): Federal legislation that prohibits 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. Relevant for credit checks and reporting related to secured loans.

UCC Article 9: Uniform Commercial Code Article 9 provides the legal framework for secured transactions, including creation, perfection, and priority of security interests.

Dodd-Frank Act: Comprehensive financial reform legislation that established new regulatory requirements for financial institutions and enhanced consumer protections in lending.

State Usury Laws: State-specific regulations that set maximum interest rates and define what constitutes usurious lending practices within the state's jurisdiction.

State Secured Transaction Regulations: State-specific rules governing secured transactions, including filing requirements, priority rules, and enforcement procedures.

State Consumer Protection Laws: State-level legislation designed to protect consumers from unfair or deceptive lending practices and provide additional rights and remedies.

State Recording Requirements: State-specific rules for recording and filing security interests, including where and how to file financing statements and perfect security interests.

SEC Regulations: Securities and Exchange Commission regulations that may apply if the secured loan involves securities or other regulated financial instruments.

Federal Reserve Board Regulations: Banking regulations that may affect secured lending practices, particularly for regulated financial institutions.

CFPB Guidelines: Consumer Financial Protection Bureau guidelines providing requirements and best practices for consumer lending and loan servicing.