Truth in Lending Act (TILA): Federal law that requires lenders to provide standardized disclosures about terms and costs of consumer credit

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

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

Dodd-Frank Wall Street Reform: Comprehensive financial reform legislation that includes provisions affecting lending practices and financial institution oversight

Securities Act of 1933: Regulates the offering and sale of securities, which may be relevant if the loan involves securities components

Bank Holding Company Act: Regulates companies that own or control banks and their subsidiaries

Federal Reserve Act: Establishes the framework for the monetary and banking system in the United States

State Usury Laws: State-specific regulations that set maximum interest rates and govern lending practices within each state

Uniform Commercial Code: Standardized set of laws governing commercial transactions, particularly Articles 1, 3, and 9 relating to lending

U.S. Bankruptcy Code: Federal laws governing bankruptcy proceedings and creditor rights in case of default

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

USA PATRIOT Act: Includes provisions for preventing and detecting money laundering in lending transactions

Foreign Corrupt Practices Act: Anti-corruption legislation that may apply to international lending activities

Internal Revenue Code: Federal tax regulations affecting loan transactions, including treatment of interest and transfer pricing rules

Delaware General Corporation Law: Key corporate law framework often used for subsidiary structures and corporate governance requirements