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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): Prohibits discrimination in lending based on race, color, religion, national origin, sex, marital status, age, or public assistance participation

Fair Credit Reporting Act (FCRA): Regulates the collection, dissemination, and use of consumer credit information in lending decisions

Consumer Credit Protection Act: Comprehensive federal law that protects consumers in various credit transactions, including lending practices

Dodd-Frank Act: Reform law that created the CFPB and established new financial regulations, including consumer lending protections

Federal Trade Commission Act: Prohibits unfair or deceptive practices in lending and other consumer transactions

State Usury Laws: State-specific regulations that set maximum interest rates and define usurious lending practices

State Lending Regulations: State-specific rules governing lending practices, licensing requirements, and consumer protections

State Contract Laws: General contract formation and enforcement rules that vary by state and affect loan agreement validity

State Consumer Protection Laws: State-specific regulations protecting consumers from unfair lending practices and providing additional rights

CFPB Regulations: Federal regulatory guidelines for consumer lending practices and consumer protection in financial services

FTC Guidelines: Federal guidelines protecting consumers from unfair and deceptive lending practices

State Banking Department Requirements: State-specific regulatory requirements for lending institutions and loan transactions

Statute of Frauds: Legal requirement that certain contracts, including some loan agreements, must be in writing to be enforceable

Uniform Commercial Code: Standardized state laws governing commercial transactions, including certain aspects of lending

Bankruptcy Laws: Federal laws affecting the treatment of loans in bankruptcy proceedings and creditor rights

Collection Laws: Federal and state regulations governing debt collection practices and creditor remedies