Truth in Lending Act (TILA): Federal law requiring clear disclosure of lending terms and costs to protect consumers in 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

Uniform Commercial Code (UCC) Article 2: Governs the sale of goods, including contract formation, obligations, and remedies

Uniform Commercial Code (UCC) Article 9: Governs secured transactions, including creation and perfection of security interests in personal property

State Usury Laws: State-specific laws limiting maximum interest rates and defining what constitutes usurious lending practices

State Licensing Requirements: State-specific regulations requiring licenses for financing activities and lending operations

FTC Regulations: Federal Trade Commission rules governing fair trade practices and consumer protection in commercial transactions

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

CFPB Regulations: Consumer Financial Protection Bureau rules protecting consumers in financial transactions and lending

Fair Debt Collection Practices Act: Federal law restricting debt collection practices and protecting consumers from abusive collection methods

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

E-SIGN Act: Federal law establishing legal validity of electronic signatures and records in commercial transactions

State Consumer Protection Laws: State-specific regulations protecting consumers from unfair or deceptive business practices in financial transactions