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Truth in Lending Act (TILA) and Regulation Z: Federal law requiring disclosure of credit terms and standardization of calculations for credit costs to protect consumers

Equal Credit Opportunity Act (ECOA): Prohibits discrimination in credit transactions based on race, color, religion, national origin, sex, marital status, age, or public assistance status

Fair Credit Reporting Act (FCRA): Regulates the collection, dissemination, and use of consumer credit information

Consumer Credit Protection Act: Comprehensive federal law protecting consumers in credit transactions, including credit reporting, debt collection, and garnishment

Dodd-Frank Act: Reformed financial regulation following the 2008 crisis, created the CFPB, and enhanced consumer protection in financial transactions

Fair Debt Collection Practices Act (FDCPA): Regulates debt collection practices and prohibits abusive collection methods

State Usury Laws: State-specific regulations setting maximum interest rates and terms for credit agreements

State Consumer Protection Laws: Various state-level regulations protecting consumers in credit transactions specific to each jurisdiction

State Banking Regulations: State-specific rules governing banking operations and credit issuance

CFPB Regulations: Federal guidelines and requirements for consumer financial products and services

Bank Secrecy Act Requirements: Regulations requiring financial institutions to assist government agencies in detecting and preventing money laundering

KYC Requirements: Know Your Customer protocols requiring verification of client identity and suitability for credit

Disclosure Requirements: Mandatory information that must be provided to borrowers including interest rates, fees, terms, and conditions

Security Interest Provisions: Requirements for establishing and documenting collateral or security interests in credit agreements