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Truth in Lending Act (TILA): Federal law requiring disclosure of credit terms including APR, total cost of credit, and detailed payment schedule in financing agreements

FTC Used Car Rule: Federal regulation requiring Buyer's Guide display on used vehicles, warranty information disclosure, and 'as-is' sale declarations when applicable

State-Specific Vehicle Sales Laws: Individual state requirements governing vehicle sales, including title transfer, registration requirements, and applicable lemon laws

Uniform Commercial Code (UCC): Legal framework covering sales (Article 2) and secured transactions (Article 9), including requirements for security interests in vehicles

State Usury Laws: State-specific regulations governing maximum interest rates, finance charge limitations, and late payment penalties

Equal Credit Opportunity Act (ECOA): Federal law prohibiting discrimination in credit transactions and ensuring fair lending practices

Fair Credit Reporting Act (FCRA): Federal legislation governing credit check requirements and credit reporting obligations in financing transactions

State-Specific Contract Laws: State laws covering requirements for valid contracts, statute of frauds, and essential contract formation elements

State Vehicle Finance Laws: State regulations governing repossession rules, notice requirements, and default procedures in vehicle financing

Consumer Protection Laws: Federal and state laws protecting consumers from unfair and deceptive practices, including specific disclosure requirements