Truth in Lending Act (TILA) and Regulation Z: Federal law requiring clear disclosure of credit terms, standardized APR calculation methods, and right of rescission provisions for consumer credit transactions
Fair Credit Reporting Act (FCRA): Federal legislation governing the collection, dissemination, and use of consumer credit information, including rules about credit reporting and consumer rights regarding credit information
Equal Credit Opportunity Act (ECOA): Federal law that prohibits discrimination in credit transactions and establishes requirements for credit application processing to ensure fair treatment of all applicants
Fair Debt Collection Practices Act (FDCPA): Federal law establishing rules about debt collection practices and providing consumer protections against abusive collection practices
Consumer Credit Protection Act: Federal law providing general consumer protections and establishing wage garnishment limitations in credit contexts
State Usury Laws: State-specific regulations that set maximum interest rate limitations and fee restrictions for credit agreements
State Consumer Protection Laws: State-specific requirements including additional disclosure requirements, cooling-off periods, and specific contract language requirements for credit agreements
State Licensing Requirements: State-specific regulations governing lender licensing requirements and registration obligations for credit providers
