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Truth in Lending Act (TILA): Federal law that requires clear disclosure of lending terms and costs in billing agreements

Fair Credit Billing Act (FCBA): Federal law that protects consumers from unfair billing practices and provides dispute resolution procedures

Electronic Funds Transfer Act (EFTA): Establishes rights, liabilities, and responsibilities of participants in electronic fund transfer systems

Uniform Commercial Code (UCC) Article 4A: Governs fund transfers and provides framework for commercial transactions including billing processes

E-SIGN Act: Federal law ensuring legal validity of electronic signatures and records in billing agreements

Fair Debt Collection Practices Act (FDCPA): Regulates debt collection practices and protects consumers from abusive collection methods

CFPB Regulations: Consumer Financial Protection Bureau guidelines governing billing practices and consumer protection

FTC Regulations: Federal Trade Commission rules protecting consumers from unfair or deceptive billing practices

State Consumer Protection Laws: State-specific regulations protecting consumers in billing and payment transactions

State Electronic Transaction Laws: State-level regulations governing electronic transactions and digital billing processes

Gramm-Leach-Bliley Act: Federal law requiring financial institutions to explain information-sharing practices and protect sensitive data

PCI DSS: Payment Card Industry Data Security Standard requirements for organizations handling credit card information

HIPAA: Healthcare Insurance Portability and Accountability Act regulations for medical billing practices