Truth in Lending Act (TILA): Federal law requiring lenders to provide standardized disclosures about credit and loan terms, protecting consumers from unfair lending practices

Equal Credit Opportunity Act (ECOA): Prohibits discrimination in lending based on race, color, religion, national origin, sex, marital status, age, or use of public assistance

Fair Credit Reporting Act (FCRA): Regulates the collection, dissemination, and use of consumer credit information in lending decisions

Dodd-Frank Act: Comprehensive financial reform legislation that includes provisions affecting lending practices and consumer protection in financial transactions

Uniform Commercial Code Article 9: Governs secured transactions and provides rules for the creation, perfection, and priority of security interests in personal property

Federal Reserve Regulations: Set of rules governing banking practices, including reserve requirements and lending limitations

Bank Secrecy Act: Requires financial institutions to assist government agencies in detecting and preventing money laundering in lending transactions

Securities Act of 1933: Regulates the offering and sale of securities, which may apply if the loan agreement could be characterized as a security

Securities Exchange Act of 1934: Governs secondary trading of securities and establishes regulatory requirements that may affect certain loan arrangements

Bankruptcy Code Section 510: Specifically addresses subordination in bankruptcy proceedings and establishes rules for enforcement of subordination agreements

State Usury Laws: State-specific regulations that set maximum interest rates and regulate other loan charges

Blue Sky Laws: State-specific securities regulations that may apply to certain loan arrangements characterized as securities

Consumer Protection Laws: State and federal laws designed to protect consumer borrowers from unfair lending practices and ensure adequate disclosures

Intercreditor Relationship Rules: Regulations governing the relationships between different classes of creditors, particularly relevant for subordinated debt

Lien Priority Rules: Legal framework determining the order of priority among different creditors' claims on the same collateral