Truth in Lending Act (TILA): Federal law that requires lenders to provide standardized disclosures about credit terms and costs to protect consumers in credit transactions
Equal Credit Opportunity Act (ECOA): Prohibits discrimination in credit transactions based on race, color, religion, national origin, sex, marital status, age, or receipt of public assistance
Fair Credit Reporting Act (FCRA): Regulates the collection, dissemination, and use of consumer credit information to ensure fairness and privacy
Consumer Credit Protection Act: Comprehensive federal law that protects consumers in various credit transactions and includes provisions for wage garnishment protection
Dodd-Frank Act: Comprehensive financial reform legislation that established the CFPB and implemented various financial regulations following the 2008 financial crisis
Uniform Commercial Code (UCC) Article 9: Governs secured transactions and provides rules for the creation and enforcement of security interests in personal property
State Usury Laws: State-specific regulations that set maximum interest rates and terms for various types of loans and credit agreements
State Contract Laws: State-specific regulations governing contract formation, enforcement, and remedies
State Consumer Protection Laws: State-specific regulations designed to protect consumers from unfair or deceptive business practices in financial transactions
State Securities Laws: State-specific regulations governing securities transactions, often called 'Blue Sky Laws'
CFPB Regulations: Federal regulations issued by the Consumer Financial Protection Bureau governing consumer financial products and services
Federal Reserve Board Regulations: Regulations issued by the Federal Reserve that affect financial institutions and credit transactions
FTC Guidelines: Federal Trade Commission guidelines protecting consumers from unfair or deceptive practices in financial services
Bank Secrecy and AML Regulations: Regulations requiring financial institutions to assist government agencies in detecting and preventing money laundering
Statute of Frauds: Legal requirement that certain contracts must be in writing to be enforceable, particularly relevant for financial agreements
