UCC Article 9: Uniform Commercial Code Article 9 governs secured transactions, including creation, perfection, and priority of security interests in personal property
TILA: Truth in Lending Act requires disclosure of key terms and costs in lending agreements to promote informed consumer credit decisions
ECOA: Equal Credit Opportunity Act prohibits discrimination in credit transactions based on race, color, religion, national origin, sex, marital status, age, or public assistance status
FCRA: Fair Credit Reporting Act regulates the collection, dissemination, and use of consumer credit information
Dodd-Frank Act: Comprehensive financial reform legislation that established the CFPB and introduced various consumer protection measures in lending
Bank Secrecy Act: Requires financial institutions to assist government agencies in detecting and preventing money laundering
USA PATRIOT Act: Includes requirements for customer identification and verification in financial transactions
State UCC Variations: State-specific modifications and adoptions of the Uniform Commercial Code that may affect secured transactions
State Usury Laws: State-specific limitations on interest rates and loan charges that can be assessed on credit agreements
State Security Interest Laws: State-specific requirements for creating, perfecting, and enforcing security interests and liens
Securities Exchange Act: Federal law governing securities trading and relevant when securities serve as collateral in secured transactions
Bankruptcy Code: Federal laws affecting creditor rights and treatment of security interests in bankruptcy proceedings
Federal Reserve Regulations: Various regulations affecting lending practices, including Regulation Z (implementing TILA) and margin requirements
Internal Revenue Code: Tax implications and requirements related to secured lending transactions
