Uniform Commercial Code (UCC): Primary US commercial law framework covering: Article 2 (Sales), Article 3 (Negotiable Instruments), Article 4 (Bank Deposits and Collections), and Article 4A (Funds Transfers)
Truth in Lending Act (TILA): Federal law requiring clear disclosure of lending terms and costs to protect consumers in credit transactions
Fair Credit Billing Act (FCBA): Federal law that protects consumers from unfair billing practices and provides mechanism for addressing billing errors
Electronic Funds Transfer Act (EFTA): Federal law establishing rights, liabilities, and responsibilities of participants in electronic fund transfer systems
Federal Reserve Regulation E: Implementation of EFTA, governing electronic payment services and establishing consumer protections
Federal Reserve Regulation Z: Implementation of TILA, regulating consumer credit and requiring standardized disclosures about credit terms
State Contract Laws: State-specific regulations governing contract formation, enforcement, and interpretation
State Usury Laws: State-specific regulations limiting maximum interest rates and governing late payment penalties
PCI DSS: Payment Card Industry Data Security Standard governing security requirements for credit card processing
Bank Secrecy Act (BSA): Federal law requiring financial institutions to assist government agencies in detecting and preventing money laundering
Anti-Money Laundering (AML) Regulations: Framework of laws designed to prevent converting illegally obtained funds into legitimate assets
Dodd-Frank Act: Comprehensive financial reform legislation including consumer protection provisions and payment processing regulations
Foreign Exchange Regulations: Laws governing international currency exchanges and cross-border payment processing
SWIFT Requirements: Standards and protocols for secure international payment messaging and processing
Foreign Corrupt Practices Act (FCPA): Federal law prohibiting the payment of bribes to foreign officials to assist in obtaining or retaining business
