Truth in Lending Act (TILA): Federal law requiring transparent disclosure of credit terms and costs to borrowers, including APR, finance charges, and payment schedules
Consumer Credit Protection Act: Federal legislation providing a comprehensive framework for consumer credit rights and lender obligations
Equal Credit Opportunity Act: Prohibits discrimination in credit transactions based on race, color, religion, national origin, sex, marital status, age, or public assistance status
Fair Credit Reporting Act: Regulates the collection and use of consumer credit information and ensures fair and accurate credit reporting
Federal Trade Commission Act: Prohibits unfair or deceptive practices in commerce, including auto financing
Uniform Commercial Code Article 9: State-specific laws governing secured transactions, including vehicle financing and security interests
State Consumer Protection Laws: Various state-specific regulations protecting consumers in vehicle financing transactions
State Usury Laws: State-specific regulations setting maximum allowable interest rates for vehicle loans
State Vehicle Financing Regulations: Specific state requirements for vehicle financing, including licensing and operational requirements
Federal Reserve Regulation Z: Implements TILA, providing specific requirements for consumer credit disclosures and procedures
State DMV Regulations: State-specific requirements for vehicle registration, liens, and title transfers
State Repossession Laws: State-specific requirements governing the process and rights related to vehicle repossession
State Disclosure Requirements: State-mandated disclosures specific to vehicle financing agreements
