Federal Truth in Lending Act (TILA): Federal legislation requiring clear disclosure of loan terms and costs, including APR, finance charges, and payment schedules in vehicle financing agreements
FTC Rules: Federal Trade Commission regulations governing vehicle sales, including mandatory Buyers Guide requirements, warranty disclosures, and cooling-off period regulations
Magnuson-Moss Warranty Act: Federal law governing warranty terms and conditions, requiring clear disclosure of warranty coverage, limitations, and consumer rights
Equal Credit Opportunity Act: Federal legislation prohibiting discrimination in credit transactions based on race, color, religion, national origin, sex, marital status, or age
State Lemon Laws: State-specific laws providing remedies and protection for consumers who purchase defective vehicles, including repair, replacement, or refund provisions
State Consumer Protection Laws: State-specific regulations requiring certain disclosures and potentially providing cooling-off periods for vehicle purchases
State Contract Laws: State-specific requirements for valid contracts, including signature requirements, capacity to contract, and contract formation elements
State Vehicle Registration Laws: State-specific requirements for vehicle title transfer, registration procedures, and documentation requirements
State Sales Tax Laws: State-specific regulations governing the calculation and collection of sales tax on vehicle purchases
Uniform Commercial Code (UCC): Standard commercial laws adopted by states, particularly Article 2 governing sales of goods and warranty provisions
State Documentation Requirements: State-specific requirements for odometer disclosure, emissions standards compliance, and safety inspection documentation
