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Truth in Lending Act (TILA) / Regulation Z: Federal law that requires lenders to provide standardized disclosures about loan terms and costs, protecting consumers in credit transactions

Equal Credit Opportunity Act (ECOA): Prohibits discrimination in lending based on race, color, religion, national origin, sex, marital status, age, or whether applicant receives public assistance

Fair Credit Reporting Act (FCRA): Regulates the collection and use of consumer credit information and ensures fair and accurate credit reporting

Bank Secrecy Act (BSA): Requires financial institutions to assist government agencies in detecting and preventing money laundering and other financial crimes

Dodd-Frank Wall Street Reform Act: Comprehensive financial reform legislation that established enhanced consumer protection and financial institution oversight

UCC Article 5: Uniform Commercial Code article governing letters of credit and bank guarantees, providing framework for these financial instruments

State Banking Regulations: State-specific laws governing banking operations, licensing requirements, and regulatory compliance within each state

State Usury Laws: State-specific regulations that set maximum interest rates and govern lending practices within the state

Fair Debt Collection Practices Act: Federal law that limits the behavior and actions of debt collectors who are attempting to collect debts on behalf of lenders

UCC Article 9: Governs secured transactions and provides rules for creation and enforcement of security interests in personal property

Federal Reserve Regulations: Rules and guidelines established by the Federal Reserve System governing banking practices and monetary policy

FDIC Requirements: Regulatory requirements established by the Federal Deposit Insurance Corporation for insured banking institutions

OCC Guidelines: Office of the Comptroller of the Currency's guidelines for national banks, covering safety, soundness, and fair lending practices