Truth in Lending Act (TILA) and Regulation Z: Federal law requiring disclosure of key terms and costs in consumer credit transactions, including specific format requirements for certain disclosures
Fair Credit Reporting Act (FCRA): Federal legislation regulating the collection and use of consumer credit information, including requirements for credit reporting and information sharing
Equal Credit Opportunity Act (ECOA): Federal law prohibiting discrimination in credit transactions and establishing requirements for credit application processing
Federal Trade Commission Act: Federal legislation prohibiting unfair or deceptive practices in commerce, affecting terms and disclosures in credit agreements
Dodd-Frank Wall Street Reform and Consumer Protection Act: Federal law establishing additional consumer protection requirements and CFPB oversight considerations for credit agreements
State Usury Laws: State-specific laws setting maximum interest rate limitations and related restrictions on credit terms
State Consumer Protection Laws: State-specific legislation requiring additional disclosures and imposing restrictions on credit agreement terms
State Contract Laws: State-specific requirements for contract formation and statute of frauds considerations
UCC Article 9: Uniform Commercial Code provisions governing secured transactions, default and remedies, which may be relevant even in unsecured agreements
Bankruptcy Code: Federal legislation affecting enforceability of credit agreements in bankruptcy and classification of debt
