Truth in Lending Act (TILA) and Regulation Z: Federal law requiring disclosure of credit terms, regulating interest rates and fees, and providing consumer protection provisions in lending agreements
Uniform Commercial Code (UCC) Article 9: Governs secured transactions, including perfection and priority of security interests, and collateral requirements
Equal Credit Opportunity Act (ECOA): Federal law prohibiting discrimination in lending and ensuring fair lending practices
Fair Credit Reporting Act (FCRA): Regulates the collection, dissemination, and use of consumer credit information, including credit reporting requirements
Dodd-Frank Act: Comprehensive financial reform legislation including consumer protection provisions and risk retention requirements for lenders
State Usury Laws: State-specific regulations governing maximum interest rates and fee limitations in lending agreements
State UCC Variations: State-specific modifications to the UCC, including local filing requirements and security interest perfection rules
State Banking Regulations: State-specific rules governing lending institutions, including licensing and disclosure requirements
Federal Reserve Regulations: Banking regulations issued by the Federal Reserve that may apply to lending institutions
OCC Regulations: Regulations from the Office of the Comptroller of the Currency applicable to national banks
Bank Secrecy Act: Anti-money laundering requirements including Know Your Customer (KYC) provisions and reporting requirements
