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Truth in Lending Act (TILA): Federal law requiring lenders to provide standardized information about credit terms and costs, ensuring transparent disclosure of financing terms in vehicle sales contracts.

Federal Consumer Credit Protection Act: Comprehensive federal law governing consumer credit transactions, including installment sales of vehicles, protecting buyers' rights in credit arrangements.

Magnuson-Moss Warranty Act: Federal law governing warranties on consumer products, including vehicles, requiring clear disclosure of warranty terms and conditions.

FTC Used Car Rule: Federal regulation requiring dealers to provide buyers with a Buyers Guide containing warranty and other important information for used vehicle sales.

Equal Credit Opportunity Act: Federal law prohibiting discrimination in credit transactions, including vehicle financing, based on race, color, religion, national origin, sex, marital status, or age.

Fair Credit Reporting Act: Federal law regulating the collection and use of consumer credit information in vehicle financing decisions.

State Vehicle Sales Laws: State-specific regulations governing vehicle sales, including title transfer, registration requirements, and sales procedures.

State Consumer Protection Laws: State-level laws protecting consumers from fraudulent or deceptive practices in vehicle sales transactions.

Uniform Commercial Code (UCC): State-adopted standardized laws governing commercial transactions, including vehicle sales and secured transactions.

State Cooling-Off Periods: State-specific regulations providing consumers with a timeframe to cancel a vehicle purchase contract without penalty.

State Lemon Laws: State-specific protections for buyers of defective vehicles, providing remedies when vehicles have persistent problems.

DMV Regulations: State Department of Motor Vehicles rules governing vehicle registration, title transfer, and documentation requirements.

Interest Rate Regulations: State usury laws and regulations governing maximum interest rates and finance charges in vehicle sales contracts.

Repossession Laws: State laws governing the process and requirements for vehicle repossession in case of payment default.

Security Interest Requirements: Legal requirements for establishing and maintaining a security interest in the vehicle during the payment period.

Insurance Requirements: State-mandated insurance requirements for financed vehicles, including minimum coverage levels and lender requirements.