Truth in Lending Act (TILA) and Regulation Z: Federal law requiring disclosure of key terms and costs in lending, regulating consumer credit transactions
Equal Credit Opportunity Act (ECOA) and Regulation B: Federal law prohibiting discrimination in lending and regulating credit application procedures
Fair Credit Reporting Act (FCRA): Federal law governing the use of credit reports and regulating information sharing between financial institutions
Bank Secrecy Act (BSA): Federal law establishing anti-money laundering provisions and Know Your Customer (KYC) requirements
Dodd-Frank Wall Street Reform and Consumer Protection Act: Comprehensive federal law establishing consumer protection provisions and regulatory compliance requirements for financial institutions
State Usury Laws: State-specific laws governing maximum interest rates and fee limitations in lending transactions
State Lending Licenses: State-specific requirements for lending licenses and permits necessary for loan operations
State Disclosure Requirements: State-specific mandatory disclosures and documentation requirements for lending transactions
UCC Article 9: Uniform Commercial Code provisions governing secured transactions and collateral requirements
Federal Reserve Regulations U and X: Federal regulations governing margin lending and specific borrowing restrictions
LIBOR Transition Requirements: Regulations and guidelines regarding the transition from LIBOR to alternative reference rates like SOFR for variable rate loans
