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): Federal law prohibiting discrimination in lending based on race, color, religion, national origin, sex, marital status, age, or receipt of public assistance
Fair Credit Reporting Act (FCRA): Federal law regulating the collection, dissemination, and use of consumer credit information
Dodd-Frank Act: Comprehensive financial reform legislation that established the CFPB and implemented new consumer protections in lending
Federal Reserve Regulation Z: Implements TILA and provides specific requirements for disclosures in lending transactions
State Usury Laws: State-specific laws that set maximum interest rates and regulate other loan terms
Uniform Commercial Code: Standardized set of laws governing commercial transactions, particularly Articles 3 and 9 for negotiable instruments and secured transactions
CFPB Guidelines: Regulatory guidance from the Consumer Financial Protection Bureau governing lending practices and consumer protection
IRS Reporting Requirements: Federal tax reporting obligations related to loan transactions
E-SIGN Act: Federal law establishing legal validity of electronic signatures and records in commercial transactions
UETA: Uniform Electronic Transactions Act providing consistent state laws for electronic signatures and records
State Contract Laws: State-specific laws governing contract formation, enforcement, and remedies
State Consumer Protection Laws: State-specific regulations protecting consumers in lending transactions
Security Interest Laws: Laws governing the creation and enforcement of security interests in collateral for secured loans
