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

Fair Credit Reporting Act (FCRA): Federal law governing the collection, dissemination, and use of consumer credit information, ensuring accuracy and privacy of credit reporting

Real Estate Settlement Procedures Act (RESPA): Federal law that provides guidelines for real estate settlement processes and prohibits certain practices in real estate transactions, particularly relevant if mortgage loans are involved

Equal Credit Opportunity Act (ECOA): Federal law prohibiting discrimination in lending practices based on race, color, religion, national origin, sex, marital status, age, or participation in public assistance programs

Fair Debt Collection Practices Act (FDCPA): Federal law that limits the behavior and actions of debt collectors who are attempting to collect debts on behalf of another person or entity

Gramm-Leach-Bliley Act: Federal law requiring financial institutions to explain their information-sharing practices to customers and protect sensitive data

Dodd-Frank Wall Street Reform Act: Comprehensive federal law implementing financial regulatory reform and establishing enhanced consumer protection in the financial sector

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

State Usury Laws: State-specific laws that regulate maximum interest rates and charges that can be applied to loans

State Licensing Requirements: State-specific regulations determining who can purchase and sell loans, often requiring specific licenses or registrations

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

State Securities Laws: State-specific regulations governing the treatment of loans as securities, often called 'Blue Sky Laws'

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

Federal Reserve Board Regulations: Rules and guidelines issued by the Federal Reserve affecting banking operations and lending practices

OCC Guidelines: Office of the Comptroller of the Currency requirements governing national banks and federal savings associations

FDIC Requirements: Federal Deposit Insurance Corporation regulations ensuring safety and soundness of banking practices

SEC Regulations: Securities and Exchange Commission rules applicable when loans are securitized or treated as securities

UCC Assignment Requirements: Uniform Commercial Code requirements governing the proper assignment and transfer of loan obligations

Secondary Market Requirements: Standards and criteria set by secondary market participants for loan purchases and sales

Rating Agency Criteria: Requirements established by credit rating agencies for loan pools, particularly relevant in securitization transactions