Truth in Lending Act (TILA) and Regulation Z: Federal law requiring disclosure of credit terms and standardization of calculations for credit costs to protect consumers
Equal Credit Opportunity Act (ECOA): Prohibits discrimination in credit transactions based on race, color, religion, national origin, sex, marital status, age, or public assistance status
Fair Credit Reporting Act (FCRA): Regulates the collection, dissemination, and use of consumer credit information
Consumer Credit Protection Act: Comprehensive federal law protecting consumers in credit transactions, including credit reporting, debt collection, and garnishment
Dodd-Frank Act: Reformed financial regulation following the 2008 crisis, created the CFPB, and enhanced consumer protection in financial transactions
Fair Debt Collection Practices Act (FDCPA): Regulates debt collection practices and prohibits abusive collection methods
State Usury Laws: State-specific regulations setting maximum interest rates and terms for credit agreements
State Consumer Protection Laws: Various state-level regulations protecting consumers in credit transactions specific to each jurisdiction
State Banking Regulations: State-specific rules governing banking operations and credit issuance
CFPB Regulations: Federal guidelines and requirements for consumer financial products and services
Bank Secrecy Act Requirements: Regulations requiring financial institutions to assist government agencies in detecting and preventing money laundering
KYC Requirements: Know Your Customer protocols requiring verification of client identity and suitability for credit
Disclosure Requirements: Mandatory information that must be provided to borrowers including interest rates, fees, terms, and conditions
Security Interest Provisions: Requirements for establishing and documenting collateral or security interests in credit agreements
