Truth in Lending Act (TILA): Federal law that requires clear disclosure of lending terms and costs to protect consumers in credit transactions
Equal Credit Opportunity Act (ECOA): Prohibits discrimination in lending practices based on race, color, religion, national origin, sex, marital status, age, or public assistance program participation
Fair Credit Reporting Act (FCRA): Regulates the collection, dissemination, and use of consumer credit information
Dodd-Frank Act: Comprehensive financial reform legislation that established the CFPB and introduced various financial regulations post-2008 crisis
Securities Act of 1933: Requires registration of securities offerings and detailed financial disclosure to ensure transparency in financial statements
Securities Exchange Act of 1934: Governs secondary trading of securities and establishes the SEC
State Usury Laws: State-specific regulations that set maximum interest rates and govern lending practices within each state
Blue Sky Laws: State-level securities regulations that govern the offering and sale of securities to protect investors from fraudulent activities
Uniform Commercial Code (UCC): Standardized set of business laws regulating financial contracts and transactions, particularly Article 9 (Secured Transactions) and Article 2 (Sales)
Bank Secrecy Act: Requires financial institutions to assist government agencies in detecting and preventing money laundering
USA PATRIOT Act: Includes provisions for strengthening anti-money laundering procedures and customer identification requirements in financial transactions
Bankruptcy Code: Federal laws governing bankruptcy proceedings that may affect the enforceability and priority of pre-financing agreements
IRS Regulations: Tax implications and reporting requirements related to financing transactions and interest income
CFPB Regulations: Consumer Financial Protection Bureau rules governing consumer financial products and services, including lending practices
Federal Reserve Board Regulations: Rules and guidelines affecting banking practices, interest rates, and financial institution operations
