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Truth in Lending Act (TILA) and Regulation Z: 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 discrimination in lending based on race, color, religion, national origin, sex, marital status, age, or use of public assistance

Securities Act of 1933: Federal law that may apply if the profit-sharing loan arrangement could be classified as a security, requiring registration or qualifying for exemption

Investment Company Act of 1940: Federal law that regulates investment companies and may be relevant if the lending structure involves pooled investments

Dodd-Frank Act: Comprehensive financial reform law that includes provisions affecting lending practices and consumer protection

State Usury Laws: State-specific laws that regulate maximum interest rates and terms that can be charged on loans

State Securities Regulations: State-level requirements for securities registration and exemptions, often called 'Blue Sky Laws'

State Lending License Requirements: State-specific requirements for obtaining and maintaining lending licenses

Uniform Commercial Code (UCC): State-adopted standardized business laws governing commercial transactions, including secured lending

Internal Revenue Code - Lending Provisions: Federal tax regulations governing the treatment of interest income, profit sharing arrangements, Original Issue Discount (OID) rules, and potential partnership implications

Fair Debt Collection Practices Act: Federal law regulating the conduct of debt collectors and collection practices

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

Business Structure Regulations: Laws governing business relationships to ensure profit-sharing arrangements don't inadvertently create partnerships or violate corporate separateness