Truth in Lending Act (TILA): Federal law requiring disclosure of credit terms and standardizing the manner in which costs associated with borrowing are calculated and disclosed
Equal Credit Opportunity Act (ECOA): Federal law that prohibits credit discrimination on the basis of race, color, religion, national origin, sex, marital status, age, or whether applicant receives public assistance
Fair Credit Reporting Act (FCRA): Federal law that regulates the collection, dissemination, and use of consumer credit information
Consumer Credit Protection Act: Comprehensive federal law that protects consumers in various credit transactions and includes provisions for wage garnishment
Uniform Commercial Code (UCC): Comprehensive set of laws governing commercial transactions, particularly Article 2 (Sales) and Article 9 (Secured Transactions)
State Consumer Protection Laws: State-specific legislation designed to protect consumers from fraudulent or unfair business practices in financing transactions
State Usury Laws: State-specific regulations that set maximum interest rates and define what constitutes excessive or illegal interest charges
State Contract Laws: State-specific regulations governing the formation, execution, and enforcement of contracts
Securities Act of 1933: Federal law requiring registration of securities offerings and detailed financial disclosure to protect investors
Securities Exchange Act of 1934: Federal law governing secondary trading of securities and establishing the SEC
State Blue Sky Laws: State-specific securities regulations designed to protect investors against fraudulent sales practices and activities
Dodd-Frank Act: Comprehensive financial reform legislation enacted in response to the 2008 financial crisis, including consumer protection provisions
CFPB Regulations: Rules and guidelines issued by the Consumer Financial Protection Bureau governing consumer financial products and services
Federal Reserve Board Regulations: Banking regulations that may affect financing terms, rates, and disclosure requirements
Anti-Money Laundering Regulations: Federal requirements for financial institutions to help detect and prevent money laundering and fraud
Bank Secrecy Act: Federal law requiring financial institutions to assist government agencies in detecting and preventing money laundering
