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Truth in Lending Act (TILA): Federal law requiring disclosure of credit terms, including APR, finance charges, amount financed, and total payments in a standardized format

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

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

Consumer Credit Protection Act: Comprehensive federal law that includes various consumer credit protections, including restrictions on garnishment

FTC Regulations: Federal Trade Commission rules governing fair lending practices and consumer protection in auto financing

UCC Article 9: Uniform Commercial Code Article governing secured transactions, including auto loans and the creation and perfection of security interests

State Usury Laws: State-specific laws setting maximum interest rates and defining usurious lending practices

State Consumer Protection Laws: State-specific regulations protecting consumers in financial transactions and auto purchases

State Vehicle Financing Laws: State-specific regulations governing vehicle financing, including requirements for auto loans between private parties

State Contract Laws: State-specific requirements for valid contract formation, including necessary elements and enforcement

State Disclosure Requirements: State-mandated disclosures that must be included in auto loan contracts

State Repossession Laws: State-specific regulations governing the process and requirements for vehicle repossession in case of default

Security Interest Requirements: State-specific rules for creating and perfecting security interests in vehicles

Vehicle Title Requirements: State regulations regarding vehicle title transfer and registration in private party sales with liens

UCC-1 Filing Requirements: Requirements for filing UCC-1 financing statements to perfect security interests in vehicles