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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. Governs credit terms and consumer rights.

Equal Credit Opportunity Act (ECOA): Federal legislation that prohibits discrimination in lending practices and ensures fair access to credit for all qualified borrowers.

Fair Credit Reporting Act (FCRA): Federal law regulating the collection and use of consumer credit information, including credit checks and reporting requirements.

Dodd-Frank Wall Street Reform and Consumer Protection Act: Comprehensive federal law providing additional consumer protections and establishing Consumer Financial Protection Bureau (CFPB) oversight.

State Usury Laws: State-specific regulations governing maximum interest rates and fee limitations for lending transactions.

State-Specific Lending Regulations: Local requirements including licensing and state-specific disclosure requirements for lending institutions.

State Consumer Protection Laws: Additional state-level protections and disclosure requirements that may vary by jurisdiction.

Uniform Commercial Code (UCC): Particularly Article 9 governing secured transactions, with state-specific variations to consider.

Federal Reserve Regulations: Including Regulation B (Equal Credit Opportunity) and other applicable banking regulations governing lending practices.

Bank Secrecy Act/Anti-Money Laundering Requirements: Federal regulations concerning financial transactions and reporting requirements for lending institutions.