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Truth in Lending Act (TILA): Federal law that requires lenders to provide standardized disclosures about credit terms and costs, protecting consumers in credit transactions

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, ensuring fair and accurate credit reporting

Dodd-Frank Act: Comprehensive financial reform legislation that established enhanced regulatory requirements and consumer protections in financial services

Bank Secrecy Act (BSA): Requires financial institutions to assist government agencies in detecting and preventing money laundering through record keeping and reporting requirements

USA PATRIOT Act: Enhances anti-money laundering requirements and includes Know Your Customer (KYC) provisions for financial institutions

State Usury Laws: State-specific regulations that set maximum interest rates and govern lending practices within individual states

Uniform Commercial Code (UCC) Article 9: Governs secured transactions and provides rules for the creation, perfection, and enforcement of security interests in personal property

UCC Article 3: Covers negotiable instruments and provides rules for promissory notes and other payment instruments

Federal Reserve Regulations: Central bank requirements governing lending practices, capital requirements, and banking operations

LIBOR Transition Regulations: Guidelines and requirements for transitioning from LIBOR to alternative reference rates such as SOFR

CFPB Regulations: Consumer Financial Protection Bureau rules governing consumer lending and financial services practices

OCC Regulations: Office of the Comptroller of the Currency requirements for national banks and federal savings associations

FDIC Requirements: Federal Deposit Insurance Corporation rules governing insured financial institutions and their lending practices

State Security Interest Laws: State-specific regulations governing the creation and enforcement of security interests in property