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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

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

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

Dodd-Frank Act: Comprehensive financial reform legislation that established enhanced consumer protection and regulatory oversight in the financial sector, including lending practices

CFPB Regulations: Regulatory framework established by the Consumer Financial Protection Bureau to oversee consumer financial products and services, including lending practices

State Usury Laws: State-specific regulations that set maximum interest rates and define what constitutes usurious lending practices within the state

State Lending Regulations: State-specific rules governing lending practices, licensing requirements, and consumer protections within the state jurisdiction

State Contract Laws: General contract law principles and requirements specific to each state that govern the formation and enforcement of contracts

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

UCC Article 3: Uniform Commercial Code article governing negotiable instruments, including promissory notes and drafts

UCC Article 9: Uniform Commercial Code article governing secured transactions and the creation, perfection, and enforcement of security interests

SEC Regulations: Securities and Exchange Commission rules that may apply to certain types of loans, particularly in commercial or investment contexts

Federal Reserve Board Regulations: Banking regulations that may affect lending practices, particularly for institutional lenders

Bank Secrecy Act: Federal law requiring financial institutions to assist government agencies in detecting and preventing money laundering in lending transactions

State Recording Requirements: State-specific rules governing how and where loan documents must be recorded or filed

Notarization Requirements: State-specific rules regarding which documents must be notarized and proper notarization procedures

Statute of Frauds: Legal requirement that certain contracts, including many loan agreements, must be in writing and signed to be enforceable