Truth in Lending Act (TILA): Federal law requiring lenders to provide standardized disclosures about credit terms and costs, ensuring transparency in lending practices

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 status

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 provisions affecting lending practices and consumer protection in financial transactions

Regulation Z: Federal Reserve Board regulation implementing TILA, providing specific rules for credit transactions and disclosures

State Usury Laws: State-specific laws that set maximum interest rates and regulate other loan terms within the state's jurisdiction

UCC Article 3: Uniform Commercial Code article governing negotiable instruments, including promissory notes and their transfer

UCC Article 9: Uniform Commercial Code article governing secured transactions, applicable if the loan is secured by collateral

Fair Housing Act: Federal law prohibiting discrimination in real estate transactions, relevant if the loan is related to housing

CFPB Regulations: Consumer Financial Protection Bureau regulations governing consumer lending practices and protection

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

State Consumer Protection Laws: State-specific laws designed to protect consumers from unfair or deceptive lending practices

Disclosure Requirements: Mandatory federal and state requirements for disclosing loan terms, conditions, and costs to borrowers

Notice Provisions: Legal requirements for providing notices to borrowers regarding their rights, obligations, and important loan information

Recording Requirements: State-specific requirements for recording secured loans or related documents with appropriate government offices