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Truth in Lending Act (TILA): Federal law requiring clear disclosure of lending terms, costs, and key information to borrowers in a standardized format

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

Fair Credit Reporting Act (FCRA): Federal law governing the collection, dissemination, and use of consumer credit information in lending decisions

Military Lending Act: Federal law providing special protections for active duty service members and their dependents in consumer credit transactions

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

State Consumer Protection Laws: State-specific regulations designed to protect consumers from unfair lending practices and ensure fair treatment in financial transactions

State Vehicle Financing Regulations: State-specific rules governing vehicle financing, including motorcycle loans, registration requirements, and title transfer procedures

Uniform Commercial Code (UCC): State-adopted standardized regulations governing commercial transactions, including secured transactions and vehicle financing

Dodd-Frank Act: Federal legislation establishing enhanced consumer protection standards and oversight in financial transactions

CFPB Regulations: Consumer Financial Protection Bureau rules governing consumer financial products and services, including vehicle loans

Electronic Signature Laws: Federal and state laws governing the validity and enforceability of electronic signatures in loan agreements

State Repossession Laws: State-specific regulations governing the process and requirements for vehicle repossession in case of default

Insurance Requirements: State-mandated insurance requirements for financed vehicles, including minimum coverage levels and lender protection

Security Interest Laws: State laws governing how lenders must record and perfect their security interest in the financed motorcycle