Truth in Lending Act (TILA) and Regulation Z: Federal law requiring disclosure of key terms and costs in lending, regulating advertising of credit terms, and mandating right of rescission for certain transactions
Fair Credit Reporting Act (FCRA): Federal legislation governing the use and reporting of credit information and requirements for adverse action notices
Equal Credit Opportunity Act (ECOA) and Regulation B: Federal law prohibiting discrimination in lending and requiring specific notices to applicants
E-SIGN Act: Federal law governing electronic signatures and digital contract execution in commerce
Bank Secrecy Act (BSA): Federal law establishing KYC requirements and anti-money laundering provisions
Dodd-Frank Act: Federal legislation establishing consumer protection provisions and CFPB regulations for financial services
State Usury Laws: State-specific laws governing maximum interest rates and fee limitations in lending
State Consumer Protection Laws: State-specific requirements for disclosures, cooling-off periods, and specific language in loan agreements
State Contract Laws: State-specific requirements for contract formation and enforcement provisions
State Licensing Requirements: State-specific regulations for lender licensing and registration
Uniform Commercial Code (UCC): State-adopted uniform law governing commercial transactions, particularly Article 9 (secured transactions) and Article 3 (commercial paper)
Real Estate Settlement Procedures Act (RESPA): Federal law governing real estate settlement processes and disclosures for mortgage loans
Home Mortgage Disclosure Act (HMDA): Federal law requiring financial institutions to maintain and disclose mortgage lending data
