Truth in Lending Act (TILA): Federal law requiring lenders to provide clear disclosure of credit terms and costs to borrowers in vehicle loan agreements

Equal Credit Opportunity Act (ECOA): Federal legislation that prohibits discrimination in lending practices based on race, color, religion, national origin, sex, marital status, age, or public assistance status

Fair Credit Reporting Act (FCRA): Federal law governing the collection, dissemination, and use of consumer credit information in the lending process

Military Lending Act: Federal law providing special protections for active duty service members and their dependents in lending transactions, including vehicle loans

Servicemembers Civil Relief Act (SCRA): Federal law providing additional financial and legal protections to military personnel, including restrictions on repossession and interest rate caps

State Usury Laws: State-specific laws that set maximum interest rates and finance charges that can be charged on vehicle loans

Uniform Commercial Code (UCC) Article 9: Governs secured transactions, including how security interests in vehicles are created, perfected, and enforced

CFPB Regulation Z: Federal regulation implementing TILA, providing detailed requirements for disclosures and practices in vehicle lending

FTC Credit Practices Rule: Federal regulation prohibiting unfair credit practices and requiring specific disclosures in credit contracts

FTC Holder in Due Course Rule: Federal regulation preserving consumer claims and defenses when loans are sold or transferred to third parties

State DMV Requirements: State-specific regulations governing vehicle title registration, lien recording, and documentation requirements for vehicle loans

State Consumer Protection Laws: State-specific laws providing additional consumer protections and requirements for vehicle financing transactions