Truth in Lending Act (TILA): Federal law requiring disclosure of credit terms and standardized calculation of finance charges and annual percentage rates
Consumer Leasing Act: Federal regulation governing consumer lease transactions, including disclosure requirements
Equal Credit Opportunity Act: Federal law prohibiting discrimination in credit transactions based on race, color, religion, national origin, sex, marital status, or age
Fair Credit Reporting Act: Federal law regulating the collection and use of consumer credit information
FTC Rules: Federal Trade Commission regulations governing fair trade practices in vehicle sales
Magnuson-Moss Warranty Act: Federal law governing warranties on consumer products, including vehicles
State Motor Vehicle Sales Laws: State-specific regulations governing the sale and transfer of motor vehicles
State Consumer Protection Laws: State-specific laws protecting consumers from unfair or deceptive practices in vehicle sales
State Usury Laws: State-specific regulations limiting maximum interest rates and finance charges
Uniform Commercial Code: State-adopted standardized laws governing commercial transactions, including vehicle sales
DMV Regulations: State Department of Motor Vehicles requirements for vehicle registration, titling, and transfer
Repossession Laws: State-specific regulations governing the process and rights related to vehicle repossession
Insurance Requirements: State-mandated insurance coverage requirements for financed vehicles
Odometer Disclosure Requirements: Federal and state requirements for disclosing vehicle mileage during transfer of ownership
Vehicle Condition Disclosure: Requirements for disclosing known vehicle defects and condition information
Payment Schedule Requirements: Regulations governing the structure and disclosure of installment payment schedules
