Truth in Lending Act (TILA) and Regulation Z: Federal law requiring disclosure of credit terms and standardizing the manner in which costs associated with borrowing are calculated and disclosed
Equal Credit Opportunity Act (ECOA): Federal law that prohibits credit discrimination on the basis of race, color, religion, national origin, sex, marital status, age, or whether the applicant receives public assistance
Fair Credit Reporting Act (FCRA): Federal law regulating the collection, dissemination, and use of consumer credit information
Bank Secrecy Act (BSA): Federal law requiring financial institutions to assist government agencies in detecting and preventing money laundering
Dodd-Frank Act: Comprehensive federal law reforming financial regulation and consumer protection in response to the 2008 financial crisis
Federal Reserve Act and Regulations: Foundational banking legislation establishing the Federal Reserve System and its regulatory framework
State Usury Laws: State-specific laws governing maximum permissible interest rates and related charges on loans
Uniform Commercial Code (UCC): Comprehensive set of laws governing commercial transactions, particularly Articles 1, 3, and 9 relating to lending
SEC Regulations: Federal securities regulations that may apply to certain credit facilities, especially in corporate lending
KYC/AML Requirements: Know Your Customer and Anti-Money Laundering regulations requiring verification of borrower identity and source of funds
State Banking Regulations: State-specific rules governing banking operations and lending practices within each jurisdiction
UCC Filing Requirements: Specific requirements for filing security interests and liens under the Uniform Commercial Code
