Truth in Lending Act (TILA): Federal law requiring lenders to provide standardized disclosures about loan terms and costs to promote informed borrowing decisions
Equal Credit Opportunity Act (ECOA): Federal law prohibiting discrimination in lending based on race, color, religion, national origin, sex, marital status, age, or receipt of public assistance
Fair Credit Reporting Act (FCRA): Federal law regulating the collection, dissemination, and use of consumer credit information
Dodd-Frank Act: Comprehensive financial reform legislation that established the Consumer Financial Protection Bureau and implemented new financial regulations
Bank Secrecy Act (BSA): Federal law requiring financial institutions to assist government agencies in detecting and preventing money laundering
Uniform Trust Code (UTC): Model law providing states with detailed framework for trust creation, administration, and regulation
Uniform Prudent Investor Act: Law establishing standards for trust investment and management, requiring diversification and risk assessment
Securities Act of 1933: Federal law requiring registration of securities offerings and prohibiting fraud in securities sales
Internal Revenue Code: Federal tax laws governing income, gift, and estate tax implications of trust loans
State Usury Laws: State-specific regulations limiting maximum interest rates that can be charged on loans
Uniform Commercial Code (UCC): Standardized set of laws governing commercial transactions, including secured lending
Statute of Frauds: Legal requirement that certain contracts, including those involving loans and real property, must be in writing to be enforceable
