Truth in Lending Act (TILA) / Regulation Z: Federal law requiring clear disclosure of lending terms, including specific information about interest rates, fees, payment schedules, total amount financed and total cost of credit
Fair Credit Reporting Act (FCRA): Federal legislation governing how credit information can be collected and reported, affecting provisions related to credit checks and reporting of payment history
State-Specific Usury Laws: State laws governing maximum allowable interest rates, specific requirements for installment agreements, and state-specific disclosure requirements
Uniform Commercial Code (UCC): Comprehensive set of laws governing commercial transactions, particularly Article 2 for sales of goods and Article 9 for secured transactions involving collateral
Fair Debt Collection Practices Act (FDCPA): Federal law governing debt collection practices, relevant if the agreement might be assigned to a collection agency, including requirements for communication about debt
Electronic Signatures in Global and National Commerce Act (E-SIGN Act): Federal law establishing the legal validity of electronic signatures and records, applicable when agreements are executed electronically
State-Specific Consumer Protection Laws: Various state laws providing consumer protections, including requirements for consumer contracts, cooling-off periods, and cancellation rights
Equal Credit Opportunity Act (ECOA): Federal law prohibiting discrimination in credit transactions and governing how credit terms can be set and enforced
