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Truth in Lending Act (TILA): Federal law requiring transparent disclosure of credit terms and costs to borrowers, including APR, finance charges, and payment terms

Fair Credit Reporting Act (FCRA): Regulates the collection, dissemination, and use of consumer credit information, ensuring accuracy and privacy of credit reports

Equal Credit Opportunity Act (ECOA): Prohibits discrimination in lending based on race, color, religion, national origin, sex, marital status, age, or public assistance status

Fair Debt Collection Practices Act (FDCPA): Governs debt collection practices and prohibits abusive, unfair, or deceptive practices in collecting debts

E-SIGN Act: Ensures legal validity of electronic signatures and records in commercial transactions, including loan agreements

Military Lending Act: Provides special protections for active duty service members and their dependents in consumer credit transactions

State Usury Laws: State-specific regulations that set maximum legal interest rates and finance charges that can be assessed on loans

State Lending License Requirements: State-specific requirements for obtaining and maintaining licenses to engage in lending activities

State Disclosure Requirements: State-mandated disclosures that must be provided to borrowers, including specific forms and statements

State Small Loan Regulations: Specific state laws governing small-dollar loans, including maximum loan amounts, terms, and fees

CFPB Regulations: Federal regulations from the Consumer Financial Protection Bureau governing consumer financial products and services

FTC Regulations: Federal Trade Commission rules protecting consumers from unfair or deceptive lending practices

Bank Secrecy Act: Requires financial institutions to assist government agencies in detecting and preventing money laundering

State Collection Practices: State-specific rules governing how lenders can collect debts and interact with borrowers in default

Cooling-off Period Requirements: Mandatory waiting periods between loans or borrower's right to cancel within a specified timeframe