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Truth in Lending Act (TILA): Federal law requiring clear disclosure of lending terms and standardized calculations of costs to facilitate comparison shopping by consumers

Consumer Financial Protection Bureau (CFPB) Regulations: Federal regulations governing consumer financial products, including auto loans, focusing on consumer protection and fair lending practices

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

Fair Credit Reporting Act (FCRA): Federal law regulating the collection and use of consumer credit information and ensuring fair and accurate credit reporting

Federal Trade Commission (FTC) Regulations: Federal regulations protecting consumers from unfair or deceptive practices in auto financing and sales

State Usury Laws: State-specific laws setting maximum interest rates and governing finance charges that can be applied to auto loans

State Consumer Protection Laws: State-specific regulations protecting consumers from unfair practices in auto financing and sales transactions

State Auto Finance Regulations: State-specific rules governing auto financing, including licensing requirements and operational standards for lenders

State Contract Laws: State-specific laws governing contract formation, enforcement, and remedies applicable to auto loan agreements

UCC Article 2: Uniform Commercial Code article governing sales of goods, including motor vehicles

UCC Article 9: Uniform Commercial Code article governing secured transactions, including auto loans where the vehicle serves as collateral

Dodd-Frank Act: Federal law implementing financial reforms and consumer protections in response to the 2008 financial crisis

Military Lending Act: Federal law providing special protections for active duty service members and their dependents in consumer credit transactions

Servicemembers Civil Relief Act: Federal law providing financial and civil protections for military personnel, including provisions affecting auto loans

Documentation Requirements: Mandatory elements in auto loan contracts including APR disclosure, payment terms, default provisions, security interests, and option conditions