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Truth in Lending Act (TILA): Federal law requiring disclosure of credit terms and standardized calculation of financing charges and annual percentage rates

FTC Used Car Rule: Federal regulation requiring dealers to display a Buyers Guide with warranty and other important information on used vehicles

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

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

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

Magnuson-Moss Warranty Act: Federal law governing warranties on consumer products, including vehicles, requiring clear disclosure of warranty terms

Federal Odometer Act: Federal law requiring accurate disclosure of vehicle mileage during ownership transfers

State Vehicle Sales Laws: State-specific regulations governing vehicle sales transactions, including licensing requirements and sales procedures

State Consumer Protection Laws: State-level laws protecting consumers from unfair or deceptive practices in vehicle sales

State Lemon Laws: State-specific laws providing remedies for consumers who purchase defective vehicles

Uniform Commercial Code (UCC): State-adopted standardized laws governing commercial transactions, including vehicle sales and secured transactions

State Usury Laws: State-specific regulations limiting maximum interest rates and financing charges

Title and Registration Requirements: State-specific rules for vehicle title transfer and registration procedures

DMV Regulations: Department of Motor Vehicles rules governing vehicle transfers, registration, and documentation requirements

Vehicle Safety Standards: Federal and state requirements for vehicle safety and emissions compliance

Insurance Requirements: State-mandated insurance coverage requirements for vehicle ownership and operation

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

Warranty Disclosure Requirements: Federal and state requirements for disclosing warranty terms, conditions, and limitations