Uniform Commercial Code (UCC): Primary framework governing commercial transactions in the US, particularly Article 9 (Secured Transactions), Article 2 (Sales), and Article 3 (Negotiable Instruments)
Truth in Lending Act (TILA): Federal law requiring transparent disclosure of credit terms and standardized calculation methods for financing costs, including Regulation Z requirements
Equal Credit Opportunity Act (ECOA): Federal law prohibiting discrimination in lending practices, including non-discrimination provisions and notice requirements
Federal Reserve Regulations: Key regulations including Regulation B (Equal Credit Opportunity) and Regulation U (Securities-based lending)
Bank Secrecy Act (BSA): Federal law requiring financial institutions to assist government agencies in detecting and preventing money laundering, including KYC requirements
Dodd-Frank Act: Comprehensive financial reform law including consumer protection provisions and disclosure requirements for financial institutions
State Usury Laws: State-specific regulations governing maximum interest rates and related charges that can be legally charged
State Licensing Requirements: State-specific regulations determining who can engage in lending activities and under what conditions
State UCC Modifications: State-specific variations and modifications to the Uniform Commercial Code
State Securities Laws: State-specific regulations governing securities-based lending and related financial activities
SEC Regulations: Federal securities regulations that may apply to certain types of commercial financing arrangements
FTC Requirements: Federal Trade Commission regulations governing fair business practices and consumer protection in commercial financing
