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Truth in Lending Act (TILA): Federal law that requires lenders to provide standardized disclosures about loan terms and costs, ensuring transparency in lending practices and protecting guarantors.

Equal Credit Opportunity Act (ECOA): Federal law prohibiting discrimination in credit transactions, including those involving guarantors, based on race, color, religion, national origin, sex, marital status, age, or public assistance status.

Fair Credit Reporting Act (FCRA): Federal law governing the collection, dissemination, and use of consumer credit information, including credit checks on potential guarantors.

Federal Trade Commission Act: Prohibits unfair or deceptive practices in commerce, including lending and guarantee agreements.

CFPB Regulations: Consumer Financial Protection Bureau rules governing consumer financial products and services, including requirements for loan guarantees.

State Guarantor Laws: State-specific regulations governing guarantor rights, obligations, and protections, which vary by jurisdiction.

State Usury Laws: State-specific limits on interest rates and loan charges that may affect the underlying loan agreement and guarantor's obligations.

State Consumer Protection Laws: State-specific regulations protecting consumers, including guarantors, from unfair lending practices.

UCC Article 3: Uniform Commercial Code provisions governing negotiable instruments and the rights and obligations of parties involved.

UCC Article 9: Uniform Commercial Code provisions governing secured transactions and the rights of creditors and guarantors.

Legal Capacity Requirements: Laws governing age of majority, mental capacity, and authority requirements for entering into binding guarantee agreements.

Statute of Frauds: Legal doctrine requiring certain contracts, including guarantees, to be in writing and signed to be enforceable.

Bankruptcy Code Provisions: Federal laws governing the treatment of guarantor obligations in bankruptcy and related discharge provisions.