Truth in Lending Act (TILA): Federal law that requires clear disclosure of lending terms and costs to protect consumers in credit transactions
Fair Credit Reporting Act (FCRA): Federal law governing the collection, dissemination, and use of consumer credit information
Equal Credit Opportunity Act (ECOA): Federal law that prohibits credit discrimination on the basis of race, color, religion, national origin, sex, marital status, age, or public assistance status
Fair Debt Collection Practices Act (FDCPA): Federal law that limits the behavior and actions of debt collectors and protects debtors from abusive practices
Consumer Credit Protection Act: Comprehensive federal law that protects consumers in various credit transactions and includes multiple consumer protection provisions
State Usury Laws: State-specific regulations that set maximum interest rates and govern lending practices within each state
State Consumer Protection Laws: State-specific laws designed to protect consumers from unfair or deceptive business practices in financial transactions
State Contract Laws: State-specific regulations governing the formation, execution, and enforcement of contracts
State Debt Collection Regulations: State-specific rules governing debt collection practices, often providing additional protections beyond federal law
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 and enforcement of security interests
Bankruptcy Code: Federal laws governing bankruptcy proceedings and their impact on financial responsibilities and agreements
FTC Regulations: Federal Trade Commission rules protecting consumers from unfair or deceptive practices in financial services
CFPB Guidelines: Consumer Financial Protection Bureau guidelines ensuring consumer protection in financial products and services
Contract Law Principles: Fundamental legal principles including consideration, capacity, clear terms, and mutual understanding required for valid contracts
