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Truth in Lending Act (TILA): Federal law that requires lenders to provide standardized disclosures about credit terms and costs, protecting consumers in credit transactions.

Equal Credit Opportunity Act (ECOA): Federal law prohibiting discrimination in lending based on race, color, religion, national origin, sex, marital status, age, or source of income.

Fair Credit Reporting Act (FCRA): Federal law regulating the collection, dissemination, and use of consumer credit information.

Dodd-Frank Act: Comprehensive financial reform legislation that established enhanced consumer protection and financial regulation following the 2008 financial crisis.

Uniform Commercial Code (UCC): Standardized set of business laws regulating financial contracts and transactions, particularly Article 9 for secured lending.

State Usury Laws: State-specific regulations that set maximum interest rates and define usurious lending practices.

State Lending Regulations: State-specific rules governing lending practices, licensing requirements, and consumer protections.

State Contract Laws: State-specific laws governing contract formation, enforcement, and interpretation.

State Consumer Protection Laws: State-specific regulations protecting consumers from unfair or deceptive lending practices.

Securities Laws: Federal and state regulations that may apply if the loan arrangement could be classified as a security.

Bankruptcy Laws: Federal laws governing creditor rights and debt treatment in bankruptcy proceedings.

SBA Regulations: Small Business Administration rules that may apply to certain business loans and their modifications.

Federal Reserve Regulations: Banking regulations that may impact loan terms, especially for regulated financial institutions.

ESIGN Act: Federal law establishing legal validity of electronic signatures and records in commercial transactions.

UETA: Uniform Electronic Transactions Act providing state-level framework for electronic signatures and records.