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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): Federal law that prohibits 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 governing the collection, dissemination, and use of consumer credit information

Consumer Credit Protection Act: Comprehensive federal law that regulates consumer credit and includes provisions for credit reporting, debt collection, and credit billing

Dodd-Frank Act: Major financial reform legislation that established the CFPB and implemented new consumer protections in lending

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

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

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

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

CFPB Guidelines: Regulatory framework established by the Consumer Financial Protection Bureau for consumer lending practices

OCC Regulations: Requirements set by the Office of the Comptroller of the Currency governing national bank lending practices

FDIC Requirements: Federal Deposit Insurance Corporation guidelines for insured banks' lending practices

Anti-Money Laundering Regulations: Federal requirements to prevent and detect money laundering in lending transactions

Know Your Customer (KYC): Banking regulations requiring verification of customer identity and assessment of potential risks in lending relationships