Truth in Lending Act (TILA): Federal law requiring clear disclosure of lending terms and costs to protect consumers in credit transactions
Fair Credit Reporting Act (FCRA): Federal law regulating the collection, dissemination, and use of consumer credit information
Equal Credit Opportunity Act (ECOA): Federal law prohibiting discrimination in credit transactions based on race, color, religion, national origin, sex, marital status, age, or public assistance status
Consumer Credit Protection Act: Federal law providing a comprehensive framework for consumer credit rights and protections
Fair Debt Collection Practices Act (FDCPA): Federal law limiting the behavior and actions of debt collectors who are attempting to collect debts on behalf of another person or entity
State Usury Laws: State-specific laws that set maximum interest rates and regulate other lending terms within the state's jurisdiction
State Consumer Protection Laws: State-specific laws designed to protect consumers from unfair practices and provide additional rights beyond federal protections
State Installment Payment Regulations: State-specific rules governing the structure, terms, and execution of installment payment agreements
State Contract Laws: State-specific laws governing the formation, execution, and enforcement of contracts
UCC Article 2: Uniform Commercial Code article governing sales of goods, which may apply if the installment payment is for goods
UCC Article 9: Uniform Commercial Code article governing secured transactions, applicable if collateral is involved in the installment agreement
Statute of Frauds: Legal requirement that certain contracts must be in writing to be enforceable
E-SIGN Act: Federal law ensuring the legal validity of electronic signatures and records in interstate commerce
Bankruptcy Laws: Federal and state laws affecting the enforcement of installment agreements in case of bankruptcy
