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Truth in Lending Act (TILA) and Regulation Z: Federal law requiring disclosure of credit terms and standardizing how costs associated with borrowing are calculated and disclosed

Equal Credit Opportunity Act (ECOA): Federal law that prohibits credit discrimination on the basis of race, color, religion, national origin, sex, marital status, age, or whether you receive public assistance

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

Dodd-Frank Wall Street Reform: Comprehensive federal law that brought significant changes to financial regulation and created the Consumer Financial Protection Bureau

UCC Article 3: Uniform Commercial Code article governing negotiable instruments, including promissory notes

UCC Article 9: Uniform Commercial Code article governing secured transactions, applicable if the line of credit is secured by collateral

State Usury Laws: State-specific laws that set maximum interest rates and regulate other lending terms

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

State Contract Laws: State-specific laws governing contract formation, enforcement, and remedies

State Consumer Protection Laws: State-specific laws designed to protect consumers from unfair or deceptive lending practices

Federal Reserve Board Regulations: Rules and guidelines issued by the Federal Reserve that affect lending practices and credit terms

CFPB Guidelines: Consumer Financial Protection Bureau guidelines for consumer lending and credit practices

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

State Licensing Requirements: State-specific requirements for lender licensing and operational compliance

Bankruptcy Laws: Federal and state laws affecting the enforceability of credit agreements in bankruptcy situations