Truth in Lending Act (TILA): Federal law requiring lenders to provide standardized disclosures about loan terms and costs to promote informed borrowing decisions

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

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 for lending practices

Federal Reserve Regulation Z: Implements TILA and provides specific requirements for disclosures and calculations of interest rates

State Usury Laws: State-specific laws that set maximum legal interest rates for different types of loans

State Lending License Requirements: State-specific regulations governing who can issue loans and under what conditions

State Disclosure Requirements: State-specific rules about what information must be disclosed to borrowers in loan agreements

State Consumer Protection Laws: State-specific regulations protecting borrowers from unfair lending practices

Uniform Commercial Code (UCC): Standardized set of laws governing commercial transactions, including secured lending

State Statute of Limitations: State-specific time limits for taking legal action to collect on defaulted loans

Military Lending Act: Federal law providing special protections for active duty service members and their dependents in lending transactions

Late Fee Regulations: State-specific rules governing the assessment and amount of late payment penalties

Execution Requirements: State-specific rules for proper signing and witnessing of loan documents to make them legally binding