Truth in Lending Act (TILA) and Regulation Z: Federal law requiring disclosure of key terms and costs in consumer credit transactions, including standardized calculation of Annual Percentage Rate (APR)
Equal Credit Opportunity Act (ECOA): Federal law prohibiting discrimination in lending based on race, color, religion, sex, age, and other protected characteristics, while mandating fair lending practices
Fair Credit Reporting Act (FCRA): Federal law regulating the collection and use of consumer credit information, including credit checks and reporting requirements
Dodd-Frank Act: Federal law establishing additional consumer protections and Consumer Financial Protection Bureau (CFPB) oversight in lending practices
State Usury Laws: State-specific laws governing maximum permissible interest rates, with varying rules for consumer and commercial loans
State Disclosure Requirements: State-specific mandatory disclosures and cooling-off periods that may be required in addition to federal requirements
State Securities Laws: State-specific regulations that may apply if the loan agreement could be considered a security
State Consumer Protection Laws: State-specific consumer protection measures that may provide additional protections beyond federal requirements
Uniform Commercial Code (UCC): Model code adopted by states governing commercial transactions, particularly Article 3 (Negotiable Instruments) and Article 9 (Secured Transactions)
Bankruptcy Code: Federal law affecting loan enforceability, collection rights, and automatic stay provisions in case of borrower bankruptcy
Federal Reserve Regulations: Various regulations issued by the Federal Reserve that affect lending practices and compliance requirements
