Truth in Lending Act (TILA): Federal law that requires lenders to provide standardized disclosures about credit terms and costs, protecting 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 prohibiting discrimination in credit transactions based on race, color, religion, national origin, sex, marital status, age, or public assistance status
E-SIGN Act: Federal law establishing legal validity of electronic signatures and records in interstate commerce
UCC Article 9: Uniform Commercial Code Article governing secured transactions and the creation, perfection, and enforcement of security interests in personal property
State Usury Laws: State-specific laws regulating maximum interest rates and charges that can be imposed on credit transactions
State Credit Regulations: State-specific rules governing credit transactions, lending practices, and consumer protection within the state jurisdiction
State Contract Laws: State-specific laws governing the formation, interpretation, and enforcement of contracts
Federal Reserve Regulations: Banking regulations issued by the Federal Reserve System affecting credit and banking operations
OCC Regulations: Regulations issued by the Office of the Comptroller of the Currency governing national banks and federal savings associations
FDIC Regulations: Rules established by the Federal Deposit Insurance Corporation affecting insured banking institutions
SEC Regulations: Securities and Exchange Commission rules that may apply if the credit transfer involves securities or security interests
Bank Secrecy Act: Federal law requiring financial institutions to assist government agencies in detecting and preventing money laundering
Anti-Money Laundering Regulations: Federal regulations designed to prevent conversion of illegally obtained money into legitimate assets
Dodd-Frank Act: Comprehensive financial reform legislation affecting credit transactions, consumer protection, and financial institution operations
