Truth in Lending Act (TILA): Federal law requiring disclosure of key terms and costs in lending agreements, including Regulation Z implementation requirements

Equal Credit Opportunity Act (ECOA): Federal law prohibiting discrimination in lending practices and ensuring fair access to credit

Fair Credit Reporting Act (FCRA): Federal law governing the use of credit reports in lending decisions and requirements for adverse action notices

Bank Secrecy Act (BSA): Federal law containing anti-money laundering provisions and Know Your Customer (KYC) requirements

Uniform Commercial Code (UCC): Uniform state law including Article 9 for secured transactions and provisions for collateral and security interests

State Usury Laws: State-specific laws governing maximum interest rate limitations and fee restrictions in lending

State Lending Regulations: State-specific requirements including licensing and disclosure requirements for lending operations

State Security Interest Laws: State-specific requirements for perfecting security interests and associated filing requirements

State Contract Laws: State-specific contract formation and enforcement requirements, including statute of frauds provisions

Federal Reserve Regulations: Regulations issued by the Federal Reserve System affecting lending practices and banking operations

FDIC Requirements: Federal Deposit Insurance Corporation requirements affecting insured institutions' lending practices

SBA Guidelines: Small Business Administration guidelines that may affect working capital loan terms and conditions

Dodd-Frank Act: Federal law establishing various financial regulations and consumer protection requirements in lending