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Uniform Commercial Code (UCC): Primary source of commercial law in the US. Article 2 governs sales of goods, while Article 9 covers secured transactions, both crucial for payment plans and security interests.

Truth in Lending Act (TILA): Federal law requiring transparent disclosure of credit terms, including annual percentage rates and total cost of credit in consumer credit transactions.

State-Specific Contract Laws: Various state laws governing contract formation, statute of frauds requirements, and state-specific consumer protection provisions.

Fair Credit Reporting Act (FCRA): Federal law regulating the collection, dissemination, and use of consumer credit information, relevant if credit checks are involved.

Consumer Protection Laws: Including FTC regulations and state-specific statutes designed to protect consumers from unfair practices, including mandatory cooling-off periods.

E-SIGN Act: Federal law ensuring the legal validity of electronic signatures and records in interstate commerce, crucial if the agreement will be executed electronically.

State Usury Laws: State-specific regulations governing maximum allowable interest rates and late payment penalties in credit transactions.

Uniform Electronic Transactions Act (UETA): State-level law providing legal framework for electronic transactions and records, adopted by most states.

Equal Credit Opportunity Act (ECOA): Federal law prohibiting discrimination in credit transactions and establishing requirements for equal access to credit.

Bankruptcy Code: Federal laws governing bankruptcy proceedings, including provisions regarding creditor rights and security interests in case of default.