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Truth in Lending Act (TILA): Federal law that requires lenders to provide standardized disclosures about terms and costs associated with lending, which may affect guarantee agreements when connected to consumer credit

Equal Credit Opportunity Act (ECOA): Federal legislation that prohibits discrimination in lending practices, which must be considered when structuring guarantee agreements to ensure compliance

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

Federal Trade Commission Act: Federal legislation that prohibits unfair or deceptive practices in commerce, including lending and guarantee arrangements

Dodd-Frank Act: Comprehensive financial reform legislation that includes provisions affecting lending practices and consumer protection in financial transactions

State Contract Laws: State-specific legislation governing contract formation, enforcement, and remedies that vary by jurisdiction

State Usury Laws: State-specific regulations governing maximum interest rates and loan terms that may affect the underlying loan being guaranteed

State Consumer Protection Laws: State-specific regulations protecting consumers in financial transactions, including guarantees and lending

Statute of Frauds: Legal requirement that certain contracts, including guarantees, must be in writing and signed to be enforceable

UCC Article 3: Uniform Commercial Code provisions governing negotiable instruments that may be relevant to the underlying loan documentation

UCC Article 9: Uniform Commercial Code provisions governing secured transactions, relevant if the guarantee involves any security interests

Contract Formation Requirements: Legal principles regarding offer, acceptance, and consideration necessary for creating a valid guarantee agreement

Capacity to Contract: Legal requirements regarding the parties' legal ability to enter into binding contracts, including age and mental competency

Third-Party Beneficiary Rules: Legal principles governing the rights of parties who may benefit from but are not direct parties to the guarantee agreement

Documentation Requirements: Specific requirements for written form, notarization, and recording of guarantee agreements based on applicable laws