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Truth in Lending Act (TILA): Federal law requiring clear disclosure of lending terms and standardized calculation of interest rates and credit costs.

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 program participation.

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

Dodd-Frank Act: Comprehensive financial reform legislation that includes provisions for consumer protection and financial institution regulation in lending practices.

Securities Act of 1933: Federal law governing the offer and sale of securities, which may apply if the loan involves security instruments.

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

State Usury Laws: State-specific laws that set maximum interest rates and regulate other loan terms to protect borrowers from excessive charges.

Blue Sky Laws: State-specific securities laws that regulate the offering and sale of securities to protect investors from fraudulent activities.

UCC Article 9: Uniform Commercial Code Article governing secured transactions, including the creation and enforcement of security interests in personal property.

CFPB Guidelines: Consumer Financial Protection Bureau guidelines establishing standards for consumer lending practices and consumer protection.

Federal Reserve Regulations: Banking regulations issued by the Federal Reserve that govern lending practices and financial institution operations.

Disclosure Requirements: Mandatory information that must be provided to borrowers, including interest rates, fees, terms, and conditions of the loan.