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Truth in Lending Act (TILA) and Regulation Z: Federal law requiring disclosure of key terms and costs in consumer credit transactions, including specific formatting and content requirements

Fair Credit Reporting Act (FCRA): Federal legislation governing the collection and use of credit information, particularly affecting credit check provisions in loan agreements

Equal Credit Opportunity Act (ECOA): Federal law prohibiting discrimination in credit transactions and affecting borrower qualification criteria

Dodd-Frank Act: Establishes CFPB oversight and provides additional consumer protection requirements for financial transactions

State Usury Laws: State-specific regulations setting maximum interest rate limitations and penalties for non-compliance

State Disclosure Requirements: State-mandated disclosures and formatting requirements specific to each jurisdiction

Uniform Commercial Code (UCC): State commercial codes, particularly Article 3 (Negotiable Instruments) and Article 9 (Secured Transactions)

Securities Laws: Federal and state regulations governing registration requirements and exemption provisions for certain types of credit agreements

Bankruptcy Code: Federal regulations affecting enforceability of credit agreements in bankruptcy and priority of claims