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Truth in Lending Act (TILA): Federal law requiring clear disclosure of lending terms and costs in consumer credit transactions, including rent-to-own agreements

Consumer Leasing Act: Federal regulation governing disclosure requirements for consumer lease agreements, including vehicle leases

Federal Trade Commission Regulations: Federal guidelines protecting consumers from unfair or deceptive practices in vehicle sales and leasing

Equal Credit Opportunity Act: Federal law prohibiting discrimination in credit transactions based on race, color, religion, national origin, sex, marital status, age, or public assistance status

Fair Credit Reporting Act: Federal law regulating the collection, dissemination, and use of consumer credit information

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

State Usury Laws: State-specific regulations governing maximum interest rates and finance charges that can be charged in credit transactions

State Rent-to-Own Regulations: State-specific laws governing rent-to-own transactions, including disclosure requirements and consumer rights

State Vehicle Sales and Leasing Laws: State-specific regulations governing vehicle sales, leasing, and transfer of ownership

State Registration and Title Laws: State requirements for vehicle registration and title transfer in rent-to-own transactions

UCC Article 2 - Sales: Uniform Commercial Code provisions governing sales of goods, including vehicles

UCC Article 2A - Leases: Uniform Commercial Code provisions specifically governing lease transactions

UCC Article 9 - Secured Transactions: Uniform Commercial Code provisions governing security interests in personal property, including vehicles

State Insurance Requirements: State-mandated insurance coverage requirements for vehicles under rent-to-own agreements

Vehicle Safety Standards: Federal and state safety requirements that must be met for vehicles being sold or leased

Repossession Laws: State laws governing the process and requirements for vehicle repossession in case of default

Disclosure Requirements: Federal and state mandated disclosures regarding terms, conditions, and fees in rent-to-own agreements