Truth in Lending Act (TILA): Federal law requiring clear disclosure of lending terms and costs in consumer credit transactions

Equal Credit Opportunity Act (ECOA): Federal law prohibiting discrimination in credit transactions 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

Consumer Credit Protection Act: Federal law providing a comprehensive framework for consumer credit rights and creditor responsibilities

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

UCC Article 9: Uniform Commercial Code article governing secured transactions, including the creation and perfection of security interests in vehicles

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

State Consumer Protection Laws: State-specific laws designed to protect consumers from unfair or deceptive business practices in financial transactions

State Vehicle Financing Regulations: State-specific rules governing vehicle financing, including licensing requirements and consumer rights

Statute of Frauds: Legal requirement that certain contracts, including promissory notes, must be in writing to be enforceable

Security Interest Registration: Requirements for properly recording and perfecting security interests in vehicles with state motor vehicle departments

Repossession Laws: State laws governing the process and requirements for vehicle repossession in case of default

Vehicle Documentation Requirements: Legal requirements for properly documenting vehicle details including VIN, make, model, year in the promissory note

Payment Terms Documentation: Requirements for clearly stating payment amounts, schedule, interest rates, and default provisions in the promissory note