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Truth in Lending Act (TILA) and Regulation Z: Federal law that requires lenders to provide standardized disclosures about credit terms and costs, protecting consumers in credit transactions

Equal Credit Opportunity Act (ECOA): Prohibits discrimination in credit transactions based on race, color, religion, national origin, sex, marital status, age, or whether applicant receives public assistance

Fair Credit Reporting Act (FCRA): Regulates the collection, dissemination, and use of consumer credit information, ensuring fair and accurate credit reporting

Bank Secrecy Act (BSA): Requires financial institutions to assist government agencies in detecting and preventing money laundering by keeping records and filing reports

Dodd-Frank Act: Comprehensive financial reform legislation that established enhanced regulatory requirements and consumer protections in the financial sector

Securities Exchange Act: Federal law governing securities trading and broker-dealers, relevant if the credit facility is securitized

Uniform Commercial Code (UCC): Standardized set of laws governing commercial transactions, particularly Article 9 concerning secured transactions

State Usury Laws: State-specific regulations that set maximum interest rates and regulate other lending terms

Federal Reserve Regulations: Rules and guidelines established by the Federal Reserve System affecting banking and lending practices

OCC Guidelines: Regulatory framework established by the Office of the Comptroller of the Currency for national banks and federal savings associations

CFPB Requirements: Consumer protection regulations and guidelines established by the Consumer Financial Protection Bureau

Basel III Requirements: International regulatory framework for banks, setting standards for capital adequacy and liquidity requirements

KYC Requirements: Know Your Customer protocols requiring banks to verify customer identity and assess risks in banking relationships

AML Regulations: Anti-Money Laundering regulations requiring financial institutions to prevent, detect, and report suspicious activities

UCC Filing Requirements: Specific procedures and documentation needed for filing security interests under the Uniform Commercial Code

U.S. Bankruptcy Code: Federal law governing bankruptcy proceedings, including automatic stay provisions and creditor priority rules