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Truth in Lending Act (TILA) and Regulation Z: Federal law requiring disclosure of key terms and costs in lending agreements, including APR, finance charges, and payment schedules

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

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

Fair Debt Collection Practices Act (FDCPA): Federal law regulating the conduct of debt collectors and protecting borrowers from abusive collection practices

E-SIGN Act: Federal law establishing legal validity of electronic signatures and records in commerce

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, licenses, and requirements for lenders

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

State Consumer Protection Laws: State-specific laws designed to protect consumers from unfair or deceptive lending practices

Uniform Commercial Code (UCC): Standardized set of laws governing commercial transactions, including secured lending

State Statute of Limitations: State-specific time limits for bringing legal action to collect on defaulted loans

State Disclosure Requirements: State-specific rules about what information must be disclosed to borrowers in loan agreements

Late Fee Regulations: State-specific rules governing the assessment and amount of late payment penalties