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Truth in Lending Act (TILA): Federal law requiring disclosure of key terms and costs in consumer credit transactions to promote informed borrowing decisions

Fair Credit Reporting Act (FCRA): Federal legislation governing the collection, dissemination, and use of consumer credit information

Equal Credit Opportunity Act (ECOA): Federal law that prohibits discrimination against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, or public assistance status

Fair Debt Collection Practices Act (FDCPA): Federal law that limits the behavior and actions of debt collectors and protects debtors from abusive practices

Dodd-Frank Act: Comprehensive federal law that reformed various aspects of financial regulation and established the Consumer Financial Protection Bureau

State Usury Laws: State-specific regulations that set maximum interest rates and terms for loans within the state's jurisdiction

State Lending Regulations: State-specific rules governing lending practices, licensing requirements, and consumer protections within each state

State Contract Laws: State-specific laws governing the formation, execution, and enforcement of contracts

State Consumer Protection Laws: State-specific regulations designed to protect consumers from unfair or deceptive lending practices

Uniform Commercial Code (UCC): Comprehensive set of laws governing commercial transactions, particularly Article 9 which deals with secured transactions

Federal Reserve Board Regulations: Rules and guidelines issued by the Federal Reserve that affect lending practices and monetary policy

CFPB Regulations: Rules and guidance issued by the Consumer Financial Protection Bureau governing consumer financial products and services

Bank Secrecy Act: Federal law requiring financial institutions to assist government agencies in detecting and preventing money laundering