Truth in Lending Act (TILA): Federal law requiring clear disclosure of lending terms and standardized calculation of interest rates and costs
Equal Credit Opportunity Act (ECOA): Prohibits discrimination in lending 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
Consumer Credit Protection Act: Comprehensive federal law protecting consumers in credit transactions and establishing rights in consumer lending
Dodd-Frank Act: Reform law establishing enhanced consumer protections and financial regulation following the 2008 financial crisis
State Usury Laws: State-specific regulations governing maximum interest rates and loan terms that can be charged on loans
State Lending Regulations: Specific state requirements for loan origination, transfer, and servicing within the state's jurisdiction
State Consumer Protection Laws: State-specific laws protecting consumers from unfair or deceptive lending practices
State Contract Laws: Legal framework governing the formation and enforcement of contracts within each state
CFPB Regulations: Federal regulatory requirements established by the Consumer Financial Protection Bureau for consumer lending
Federal Reserve Board Regulations: Banking and lending regulations established by the Federal Reserve System
Uniform Commercial Code (UCC): Standardized state laws governing commercial transactions, including secured lending
Fair Debt Collection Practices Act: Federal law regulating the conduct of debt collectors and protecting consumers from abusive collection practices
Securities Laws: Federal and state regulations governing securitized loans and their transfer
Bankruptcy Laws: Federal laws affecting the treatment of loans in bankruptcy proceedings and creditor rights
