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Truth in Lending Act (TILA): Federal law requiring clear disclosure of lending terms and costs to protect consumers in credit transactions

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

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 various credit transactions and establishing requirements for credit reporting

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

Dodd-Frank Act: Major financial reform law implementing consumer protections and financial institution regulations following the 2008 financial crisis

State Usury Laws: State-specific regulations governing maximum interest rates and loan terms that lenders can charge

State Consumer Protection Laws: State-specific regulations protecting consumers in financial transactions and lending practices

State Banking Regulations: State-specific rules governing banking operations and lending practices within the state

Uniform Commercial Code (UCC): Standardized set of laws governing commercial transactions, including secured lending

CFPB Guidelines: Consumer Financial Protection Bureau guidelines for consumer lending and banking practices

Anti-Money Laundering Regulations: Requirements for financial institutions to prevent, detect, and report suspicious activities that might indicate money laundering

KYC Requirements: Know Your Customer protocols requiring banks to verify customer identity and assess risk factors

Privacy Laws: Federal and state regulations governing the protection and handling of consumer financial and personal information

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