Truth in Lending Act (TILA) and Regulation Z: Federal law that requires lenders to provide standardized disclosures about credit terms and costs, promoting informed credit decisions by consumers
Fair Credit Reporting Act (FCRA): Federal law governing the collection, dissemination, and use of consumer credit information, ensuring accuracy and privacy of credit reports
Equal Credit Opportunity Act (ECOA) and Regulation B: Prohibits discrimination in credit transactions based on race, color, religion, national origin, sex, marital status, age, or receipt of public assistance
Fair and Accurate Credit Transactions Act (FACTA): Amendment to FCRA that provides consumers with rights regarding identity theft protection and access to credit information
Fair Debt Collection Practices Act (FDCPA): Federal law that limits the behavior and actions of debt collectors and protects consumers from abusive collection practices
Consumer Credit Protection Act (CCPA): Comprehensive federal law that includes various consumer credit protections, including wage garnishment limitations
Dodd-Frank Wall Street Reform: Legislation that created the Consumer Financial Protection Bureau and established new financial regulations following the 2008 financial crisis
State Usury Laws: State-specific regulations that set maximum interest rates and terms for various types of credit arrangements
Gramm-Leach-Bliley Act (GLBA): Federal law requiring financial institutions to explain their information-sharing practices and protect sensitive customer data
E-SIGN Act: Federal law ensuring the legal validity of electronic signatures and records in interstate commerce
Uniform Electronic Transactions Act (UETA): State-level law providing legal framework for electronic signatures and records in business transactions
State Consumer Protection Laws: Various state-specific regulations protecting consumers in credit transactions and establishing additional disclosure requirements
CFPB Regulations: Rules and guidance issued by the Consumer Financial Protection Bureau governing consumer financial products and services
FTC Regulations: Federal Trade Commission rules protecting consumers from unfair or deceptive practices in credit transactions
