Truth in Lending Act (TILA): Federal law requiring transparent disclosure of credit terms and standardized calculation of financing charges for consumer credit transactions
Consumer Credit Protection Act: Federal law governing consumer credit transactions and protecting consumers in credit dealings
Fair Credit Reporting Act: Federal law regulating the collection, dissemination, and use of consumer credit information
Equal Credit Opportunity Act: Federal law prohibiting discrimination in credit transactions based on race, color, religion, national origin, sex, marital status, age, or public assistance status
Federal Trade Commission Act: Federal law prohibiting unfair or deceptive practices in commerce, including consumer credit transactions
Uniform Commercial Code (UCC): Comprehensive set of laws governing commercial transactions, particularly Article 2 (Sales) and Article 9 (Secured Transactions)
State Usury Laws: State-specific laws setting maximum interest rates and regulating finance charges
State Retail Installment Sales Acts: State-specific laws governing retail installment sales contracts and consumer protection in installment transactions
State Consumer Protection Laws: State-specific laws protecting consumers from unfair practices in credit transactions
Regulation Z: Federal Reserve Board regulation implementing TILA, providing specific requirements for credit disclosures
Payment Terms Requirements: Mandatory disclosure requirements including APR, finance charges, payment schedule, and total cost of credit
Default and Collections Compliance: Legal requirements governing default provisions, late payment penalties, and collection practices
