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Truth in Lending Act (TILA): Federal law requiring disclosure of credit terms and standardizing how costs associated with borrowing are calculated and disclosed

Equal Credit Opportunity Act (ECOA): Federal law that prohibits credit discrimination on the basis of race, color, religion, national origin, sex, marital status, age, or whether you receive public assistance

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

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

Securities Act of 1933: Federal law that may apply if the loan arrangement could be considered a security, requiring registration or exemption

State Usury Laws: State-specific laws that set maximum interest rates and define what constitutes usurious lending practices

State Lending License Requirements: State-specific regulations determining whether lenders need specific licenses to engage in lending activities

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

CFPB Regulations: Federal regulations from the Consumer Financial Protection Bureau governing consumer lending practices

FTC Regulations: Federal Trade Commission rules governing fair lending practices and consumer protection

Statute of Frauds: Legal requirement that certain contracts, including loans above a specified amount, must be in writing to be enforceable

Uniform Commercial Code: Standardized set of business laws regulating financial contracts and transactions across states

Bankruptcy Laws: Federal laws governing how debts are treated if either party declares bankruptcy

Collection Laws: Federal and state laws regulating how debts can be collected and what practices are prohibited in debt collection