Truth in Lending Act (TILA): Federal law requiring clear disclosure of lending terms and costs to protect consumers in credit transactions
Fair Debt Collection Practices Act (FDCPA): Federal law governing debt collection practices and protecting consumers from abusive collection methods
Consumer Credit Protection Act: Comprehensive federal law protecting consumers in various credit transactions and establishing consumer rights
Equal Credit Opportunity Act (ECOA): Federal law prohibiting discrimination in credit transactions based on race, color, religion, national origin, sex, marital status, or age
Fair Credit Reporting Act (FCRA): Federal law regulating the collection, dissemination, and use of consumer credit information
State Usury Laws: State-specific laws setting maximum interest rates and regulating lending practices within the state jurisdiction
State Consumer Protection Laws: State-specific regulations protecting consumers from unfair practices in commercial transactions
State Contract Laws: State-specific laws governing the formation, execution, and enforcement of contracts
State Debt Collection Regulations: State-specific rules governing debt collection practices, often providing additional protections beyond federal law
UCC Article 3: Uniform Commercial Code article governing negotiable instruments and payment obligations
UCC Article 9: Uniform Commercial Code article governing secured transactions and creditor rights
Bankruptcy Code: Federal laws governing bankruptcy proceedings and creditor-debtor relationships in bankruptcy scenarios
E-SIGN Act: Federal law establishing legal validity of electronic signatures and electronic records in commerce
Uniform Electronic Transactions Act (UETA): State law providing uniform rules for electronic transactions and signatures
Industry-Specific Regulations: Specialized regulations applying to particular industries such as automotive or real estate financing
