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 practices based on race, color, religion, national origin, sex, marital status, age, or source of income

Federal Interest Rate Laws: Federal regulations governing interest rate limitations and requirements for interstate lending

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

Securities Exchange Act: Federal law that may apply if the loan could be characterized as a security, requiring specific disclosures and registrations

State Usury Laws: State-specific laws that set maximum interest rates and regulate lending practices within the state

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

State Commercial Codes: State-specific variations of commercial regulations affecting business transactions

State Corporate Lending Laws: State-specific regulations governing corporate lending activities and requirements

UCC Article 3: Uniform Commercial Code provisions governing negotiable instruments and their transfer

UCC Article 9: Uniform Commercial Code provisions governing secured transactions, relevant to ensure no inadvertent security interests are created

Dodd-Frank Act: Federal regulations affecting financial institutions and lending practices, including corporate lending

Corporate Authority Requirements: Legal requirements ensuring proper authorization for corporate borrowing and lending activities

Internal Revenue Code Provisions: Federal tax implications and requirements related to corporate lending and borrowing

Fraudulent Transfer Laws: Laws protecting creditors from fraudulent transfers of assets, including both state and federal provisions