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Truth in Lending Act (TILA) and Regulation Z: Federal legislation requiring lenders to provide standardized disclosures about credit terms and costs, including APR, finance charges, and payment schedules.

Equal Credit Opportunity Act (ECOA): Federal law prohibiting discrimination in lending based on race, color, religion, national origin, sex, marital status, age, or receipt of public assistance.

Fair Credit Reporting Act (FCRA): Federal law regulating the collection, dissemination, and use of consumer credit information, including requirements for adverse action notices.

UCC Article 9: Uniform Commercial Code Article governing secured transactions, including creation, perfection, and enforcement of security interests in personal property like vehicles.

State Usury Laws: State-specific regulations limiting maximum interest rates and finance charges that can be charged on auto loans.

State Motor Vehicle Laws: State-specific regulations governing vehicle registration, titling, and liens on motor vehicles.

State Consumer Protection Laws: State-specific regulations protecting consumers from unfair or deceptive practices in auto financing.

Servicemembers Civil Relief Act: Federal law providing special protections to active duty military personnel regarding interest rates and repossession.

Bankruptcy Code: Federal laws affecting creditor rights and treatment of secured auto loans in bankruptcy proceedings.

State Repossession Laws: State-specific requirements governing the process and procedures for vehicle repossession upon default.

ESIGN Act and UETA: Federal and uniform state laws governing the validity and enforceability of electronic signatures and records in loan agreements.

CFPB Regulations: Consumer Financial Protection Bureau rules governing auto lending practices, including disclosure requirements and unfair practices.

FTC Regulations: Federal Trade Commission rules protecting consumers in auto financing transactions and preventing unfair trade practices.