Truth in Lending Act (TILA): Federal law that requires lenders to provide standardized disclosures about credit terms and costs
Fair Debt Collection Practices Act (FDCPA): Federal law governing debt collection practices and protecting debtors from abusive collection methods
Equal Credit Opportunity Act (ECOA): Federal law prohibiting discrimination in credit transactions based on race, color, religion, national origin, sex, marital status, or age
E-SIGN Act: Federal law establishing legal validity of electronic signatures and records in commercial transactions
State Usury Laws: State-specific regulations that set maximum legal interest rates and govern lending practices
State Contract Laws: State-specific regulations governing contract formation, enforcement, and remedies
State Consumer Protection Laws: State-specific laws designed to protect consumers from unfair or deceptive business practices
UCC Article 3: Uniform Commercial Code provisions governing negotiable instruments and payment obligations
UCC Article 9: Uniform Commercial Code provisions governing secured transactions and creditor rights
Contract Law Fundamentals: Basic principles including consideration, capacity, mutual assent, and legality required for valid contracts
Internal Revenue Code: Federal tax regulations that may affect payment agreements and their tax implications
State Tax Regulations: State-specific tax laws that may impact payment agreements and reporting requirements
Gift Tax Provisions: Federal and state tax regulations concerning gifts and their potential application to payment agreements
