Truth in Lending Act (TILA): Federal law requiring disclosure of credit terms, standardizing the manner in which costs associated with borrowing are calculated and disclosed
Fair Credit Reporting Act (FCRA): Federal law governing the collection, dissemination, and use of consumer credit information
Fair Debt Collection Practices Act (FDCPA): Federal law that limits the behavior and actions of debt collectors who are attempting to collect debts on behalf of creditors
Consumer Credit Protection Act: Federal law providing a comprehensive range of measures for the protection of consumers in their credit dealings
UCC Article 9: Uniform Commercial Code article governing secured transactions and how security interests are handled in personal property
State Usury Laws: State-specific laws that set maximum interest rates that can be charged on loans and credit agreements
State Consumer Protection Laws: State-specific laws designed to protect consumers from unfair practices and ensure fair trade competition
State Installment Loan Regulations: State-specific rules governing how installment loans can be structured, documented, and enforced
State Contract Laws: State-specific laws governing the formation, execution, and enforcement of contracts
FTC Regulations: Federal Trade Commission rules governing fair business practices and consumer protection in credit transactions
CFPB Guidelines: Consumer Financial Protection Bureau guidelines for consumer financial products and services, including installment agreements
State Debt Collection Regulations: State-specific rules governing how debts can be collected and what practices are prohibited in debt collection
