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Truth in Lending Act (TILA): Federal law requiring clear disclosure of lending terms and costs to protect consumers in credit transactions

Equal Credit Opportunity Act (ECOA): Federal law that prohibits discrimination in lending based on race, color, religion, national origin, sex, marital status, age, or source of income

Fair Credit Reporting Act (FCRA): Federal law governing the collection, dissemination, and use of consumer credit information

E-SIGN Act: Federal law establishing legal validity of electronic signatures and records in interstate commerce

State Usury Laws: State-specific regulations that set maximum interest rates and govern lending practices within the state

State Lending Regulations: State-specific rules governing lending practices, documentation requirements, and consumer protections

Statute of Frauds: State law requiring certain contracts to be in writing to be enforceable

State Contract Laws: General contract principles and requirements specific to each state

UCC Article 3: Uniform Commercial Code provisions governing negotiable instruments and promissory notes

UCC Article 9: Uniform Commercial Code provisions governing secured transactions and collateral

Statute of Limitations: State-specific time limits for bringing legal action to collect debts or enforce agreements

Documentation Requirements: Legal requirements for written form, signatures, and notarization of loan documents

Internal Revenue Code: Federal tax laws affecting loan transactions, including interest deduction and income reporting requirements

Gift Tax Provisions: Tax implications if loan terms are too favorable and might be considered a gift under IRS rules