Truth in Lending Act (TILA): Federal law requiring disclosure of credit terms and standardizing how costs associated with borrowing are calculated and disclosed
Consumer Credit Protection Act: Federal law that protects consumers in their dealings with lenders and creditors, including regulations on garnishment
Equal Credit Opportunity Act: Prohibits discrimination in lending based on race, color, religion, national origin, sex, marital status, age, or public assistance participation
Fair Credit Reporting Act: Regulates the collection, dissemination, and use of consumer credit information
Federal Reserve Board's Regulation Z: Implements the Truth in Lending Act and standardizes how lending costs are calculated and disclosed
State Usury Laws: State-specific regulations that set maximum interest rates that can be charged on loans
State Lending License Requirements: State-specific regulations governing who can issue loans and under what conditions
Internal Revenue Code - Employer Loans: Tax regulations governing the treatment of loans between employers and employees, including below-market interest rate provisions
Fair Labor Standards Act (FLSA): Federal law governing wages, overtime, and payroll deductions that may affect loan repayment structures
Uniform Commercial Code (UCC): Standardized state laws governing commercial transactions, including secured transactions and vehicle liens
State Vehicle Title Laws: State-specific regulations governing vehicle ownership and title transfer requirements
Sarbanes-Oxley Act: Federal law affecting public companies' financial practices, including requirements for reporting loans to executives
