tiktok���˰�

Truth in Lending Act (TILA): Federal law that requires lenders to provide standardized disclosures about terms and costs associated with lending

Equal Credit Opportunity Act (ECOA): Prohibits discrimination in credit transactions based on race, color, religion, national origin, sex, marital status, age, or source of income

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

Uniform Commercial Code (UCC) Article 9: Governs secured transactions and provides rules for creation and enforcement of security interests in personal property

Federal Reserve Regulation Z: Implements the Truth in Lending Act and standardizes how costs associated with borrowing are calculated and disclosed

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

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

State Usury Laws: State-specific regulations that set maximum interest rates and charges that lenders can assess on credit agreements

State Lending Regulations: State-specific rules governing lending practices, licensing requirements, and operational procedures for lenders

State Security Interest Requirements: State-specific rules for creating, perfecting, and enforcing security interests in collateral

State Contract Laws: State-specific requirements for contract formation, enforcement, and interpretation

SEC Regulations: Federal regulations governing securities-related aspects of certain credit arrangements, particularly in commercial contexts

FDIC Regulations: Federal regulations governing lending practices by insured depository institutions

OCC Guidelines: Federal guidelines for national banks' lending practices and credit administration

State Banking Department Requirements: State-specific regulatory requirements for banking and lending operations

FTC Regulations: Federal regulations governing unfair or deceptive lending practices and consumer protection in credit transactions