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Truth in Lending Act (TILA) and Regulation Z: Federal law that requires lenders to provide standardized disclosures about credit terms and costs, protecting consumers in credit transactions.

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

Fair Credit Reporting Act (FCRA): Regulates the collection, dissemination, and use of consumer credit information, ensuring fair and accurate credit reporting.

Dodd-Frank Act: Comprehensive financial reform legislation that created the CFPB and established new oversight requirements for financial institutions.

Bank Secrecy Act (BSA): Requires financial institutions to assist government agencies in detecting and preventing money laundering and other financial crimes.

USA PATRIOT Act: Establishes customer identification program requirements and enhanced due diligence procedures for financial institutions.

UCC Article 9: Governs secured transactions and provides rules for the creation, perfection, and enforcement of security interests in personal property.

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

Federal Reserve Regulations: Guidelines and requirements set by the Federal Reserve System governing lending practices and financial institution operations.

CFPB Regulations: Rules and guidelines established by the Consumer Financial Protection Bureau to ensure consumer protection in financial services.

Securities Laws: Federal and state laws governing securities transactions, including the Securities Act of 1933 and Securities Exchange Act of 1934.

Bankruptcy Code: Federal laws governing bankruptcy proceedings, including automatic stay provisions and rules regarding creditor rights.

Internal Revenue Code: Federal tax laws that may affect the treatment of interest, fees, and other aspects of credit arrangements.