Truth in Lending Act (TILA) and Regulation Z: Federal law requiring disclosure of consumer credit terms and right of rescission provisions. Critical for ensuring transparent lending practices and proper disclosure of loan terms.

Equal Credit Opportunity Act (ECOA): Federal legislation that prohibits discrimination in lending practices and establishes requirements for credit applications and notices.

Fair Credit Reporting Act (FCRA): Federal law governing the use of credit reports and establishing restrictions on information sharing in lending contexts.

Dodd-Frank Wall Street Reform Act: Comprehensive financial reform legislation including consumer protection provisions and risk retention requirements for lenders.

Securities Acts (1933 and 1934): Federal securities laws relevant if loan tranches are to be securitized, including registration and disclosure requirements.

State Usury Laws: State-specific regulations governing maximum interest rates and fee restrictions for loans.

State Banking Regulations: State-level requirements for lending activities including licensing and state-specific disclosure obligations.

Blue Sky Laws: State securities laws applicable if tranches are considered securities under state regulations.

UCC Article 9: Uniform Commercial Code provisions governing secured transactions when loans are backed by collateral.

Federal Reserve Regulations: Banking regulations including margin requirements and other banking operational guidelines.

Bank Secrecy Act: Federal legislation establishing Know Your Customer (KYC) requirements and reporting obligations for financial institutions.