Truth in Lending Act (TILA) and Regulation Z: Federal law requiring clear disclosure of lending terms, standardized APR calculation, and right of rescission requirements
Fair Credit Reporting Act (FCRA): Federal law governing the collection and use of credit information and outlining borrower rights regarding credit reports
Equal Credit Opportunity Act (ECOA): Federal law prohibiting discrimination in lending practices and requiring fair treatment regardless of race, religion, gender, or other protected characteristics
Fair Debt Collection Practices Act (FDCPA): Federal law regulating debt collection practices and relevant for default provisions in credit agreements
State Usury Laws: State-specific laws governing maximum interest rates, fee limitations, and related disclosure requirements
State Consumer Protection Laws: State-specific laws covering additional disclosure requirements, cooling-off periods, and specific contract format requirements
State Lending License Requirements: State-specific regulations regarding necessary licenses and registration requirements for lenders
UCC Article 9: Uniform Commercial Code provisions governing secured transactions, including security interest provisions and collateral requirements
Bank Secrecy Act: Federal law establishing KYC (Know Your Customer) requirements and other obligations for lending institutions
