Truth in Lending Act (TILA): Federal law requiring disclosure of credit terms, APR, finance charges, and borrower's rights in vehicle financing agreements

Federal Consumer Credit Protection Act: Comprehensive federal law governing consumer credit transactions, including automotive financing

Equal Credit Opportunity Act: Prohibits discrimination in credit transactions based on race, color, religion, national origin, sex, marital status, or age

Fair Credit Reporting Act: Regulates the collection and use of consumer credit information in financing decisions

Magnuson-Moss Warranty Act: Federal law governing warranties on consumer products, including vehicles, requiring clear disclosure of warranty terms

FTC Used Car Rule: Federal Trade Commission regulations requiring specific disclosures for used vehicle sales

State Vehicle Sales Laws: State-specific regulations governing vehicle sales, transfers, and financing within the state jurisdiction

State Consumer Protection Laws: State-level laws protecting consumers from unfair practices in vehicle sales and financing

Uniform Commercial Code (UCC): State-adopted standardized laws governing commercial transactions, including vehicle sales and secured transactions

State Usury Laws: State regulations setting maximum interest rates and finance charges for vehicle loans

State Lemon Laws: State-specific laws providing remedies for consumers who purchase defective vehicles

DMV Regulations: Department of Motor Vehicles rules governing vehicle registration, titles, and transfers

Title Transfer Requirements: Legal requirements for transferring vehicle ownership and recording liens

Odometer Disclosure Requirements: Federal and state requirements for accurate disclosure of vehicle mileage during sale

Insurance Requirements: State-mandated insurance coverage requirements for financed vehicles