Truth in Lending Act (TILA): Federal law that requires lenders to provide standardized disclosures about loan terms and costs, protecting consumers in credit transactions
Equal Credit Opportunity Act (ECOA): Federal law prohibiting discrimination in lending practices based on race, color, religion, national origin, sex, marital status, age, or receipt of public assistance
Fair Credit Reporting Act (FCRA): Federal law regulating the collection, dissemination, and use of consumer credit information
Dodd-Frank Act: Comprehensive financial reform legislation that includes provisions affecting lending practices and consumer protection in financial transactions
Federal Trade Commission Act: Prohibits unfair or deceptive practices in commerce, including lending and financial services
State Usury Laws: State-specific regulations that set maximum interest rates and govern lending practices within each jurisdiction
State Contract Laws: State-specific regulations governing contract formation, enforcement, and remedies
Uniform Commercial Code: Standardized set of laws governing commercial transactions, particularly Articles 3 and 9 relating to negotiable instruments and secured transactions
Common Law Contract Principles: Legal principles covering contract formation, consideration, capacity, and unconscionability developed through court decisions
Indemnification Laws: Legal framework governing express and implied indemnification, including scope and limitations of indemnification obligations
Statute of Frauds: Legal requirement that certain contracts must be in writing and signed to be enforceable
Bankruptcy Code: Federal laws governing bankruptcy proceedings and their impact on indemnification obligations and enforcement
