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Truth in Lending Act (TILA): Federal law requiring clear disclosure of lending terms and costs to protect 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 participation in public assistance programs

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

Fair Housing Act: Prohibits discrimination in residential real estate-related transactions, including mortgage lending

Consumer Credit Protection Act: Comprehensive legislation protecting consumers in various credit transactions and establishing requirements for creditors

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

USA PATRIOT Act: Requires banks to verify customer identity and maintain appropriate records for regulatory compliance

State Usury Laws: State-specific regulations that set maximum interest rates and govern lending practices within the state

State Banking Regulations: State-specific rules governing banking operations and lending practices within the state jurisdiction

State Consumer Protection Laws: State-specific legislation designed to protect consumers from unfair or deceptive lending practices

Federal Reserve Board Regulations: Guidelines and requirements set by the Federal Reserve for banking operations and lending practices

OCC Guidelines: Regulatory framework established by the Office of the Comptroller of the Currency for national banks

FDIC Regulations: Rules and requirements set by the Federal Deposit Insurance Corporation for insured financial institutions

CFPB Guidelines: Consumer protection rules and requirements established by the Consumer Financial Protection Bureau

Uniform Commercial Code (UCC): Standardized set of laws governing commercial transactions, including secured lending