Truth in Lending Act (TILA): Federal law requiring clear disclosure of lending terms and costs to protect consumers in credit transactions
Fair Credit Reporting Act (FCRA): Federal law regulating the collection and use of consumer credit information
Equal Credit Opportunity Act (ECOA): Federal law prohibiting discrimination in credit transactions based on race, color, religion, national origin, sex, marital status, age, or public assistance status
Fair Debt Collection Practices Act (FDCPA): Federal law limiting the behavior and actions of debt collectors who are attempting to collect debts on behalf of creditors
Consumer Credit Protection Act: Federal law providing a comprehensive protection for consumers in credit transactions
State Usury Laws: State-specific laws that set maximum interest rates that can be charged on loans and credit agreements
State Consumer Protection Laws: State-specific laws designed to protect consumers from fraudulent or unfair business practices in credit transactions
Uniform Commercial Code (UCC): Comprehensive set of laws governing commercial transactions, particularly Article 2 (Sales) and Article 9 (Secured Transactions)
E-SIGN Act: Federal law ensuring the legal validity of electronic signatures and records in interstate commerce
CFPB Guidelines: Regulatory guidelines from the Consumer Financial Protection Bureau governing consumer financial products and services
FTC Regulations: Federal Trade Commission regulations protecting consumers from deceptive and unfair business practices in credit transactions
