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UCC Article 9: Uniform Commercial Code Article 9 governs secured transactions, including the creation, perfection, and priority of security interests in personal property

UCC Article 2: Uniform Commercial Code Article 2 covers sales of goods and may be relevant when determining the nature of the receivables being factored

UCC Article 1: Uniform Commercial Code Article 1 provides general provisions and definitions applicable to all UCC transactions

Truth in Lending Act: Federal law requiring disclosure of credit terms and standardizing the manner in which costs associated with borrowing are calculated and disclosed

Equal Credit Opportunity Act: Federal law that prohibits discrimination in credit transactions based on race, color, religion, national origin, sex, marital status, age, or public assistance status

Fair Credit Reporting Act: Federal law that regulates the collection, dissemination, and use of consumer credit information

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

Anti-Money Laundering Regulations: Federal regulations designed to prevent conversion of illegally obtained money into legitimate assets

Dodd-Frank Act: Comprehensive federal law reform that brought significant changes to financial regulation and consumer protection in the wake of the 2008 financial crisis

State Usury Laws: State-specific laws that regulate maximum interest rates and charges that can be imposed on financial transactions

State Licensing Requirements: State-specific regulations governing the licensing and operation of factors and financial institutions

State UCC Variations: State-specific modifications and interpretations of the Uniform Commercial Code

State Securities Laws: State-specific regulations governing securities transactions, which may apply if the factoring arrangement is structured as a security

FTC Regulations: Federal Trade Commission regulations protecting consumers and promoting competition in financial services

CFPB Guidelines: Consumer Financial Protection Bureau guidelines governing consumer financial products and services

Bankruptcy Code: Federal laws governing bankruptcy proceedings that may affect the rights of factors in the event of debtor bankruptcy

Fair Debt Collection Practices Act: Federal law that governs debt collection practices and may apply to factors collecting on purchased receivables

E-SIGN Act: Electronic Signatures in Global and National Commerce Act, which gives legal recognition to electronic signatures and records in commercial transactions