Truth in Lending Act (TILA): 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 source of income

Fair Credit Reporting Act (FCRA): Federal law governing the collection, dissemination, and use of consumer credit information

Uniform Commercial Code (UCC) Article 9: Governs secured transactions and provides rules for the creation and enforcement of security interests in personal property used as collateral

State Usury Laws: State-specific laws that set maximum interest rates that can be charged on loans

State Lending Regulations: State-specific rules governing lending practices, licensing requirements, and consumer protections

State Collateral Laws: State-specific regulations regarding the types of property that can serve as collateral and how security interests must be recorded

State Contract Laws: State-specific rules governing contract formation, enforcement, and remedies

Dodd-Frank Act: Federal law establishing financial regulations and consumer protections in response to the 2008 financial crisis

CFPB Regulations: Rules set by the Consumer Financial Protection Bureau governing consumer lending practices and protections

FTC Regulations: Federal Trade Commission rules protecting consumers from unfair or deceptive lending practices

Bankruptcy Laws: Federal laws affecting creditor rights and treatment of collateral in bankruptcy proceedings