Truth in Lending Act (TILA): Federal law that requires clear disclosure of lending terms and costs to protect consumers in credit transactions
Fair Credit Billing Act (FCBA): Federal law that protects consumers from unfair billing practices and provides dispute resolution procedures
Electronic Funds Transfer Act (EFTA): Federal law establishing rights and responsibilities for electronic fund transfer services
Fair Debt Collection Practices Act (FDCPA): Federal law that prohibits debt collectors from using abusive or deceptive practices to collect debts
Equal Credit Opportunity Act (ECOA): Federal law that prohibits credit discrimination on the basis of race, color, religion, national origin, sex, marital status, age, or public assistance status
Uniform Commercial Code (UCC): Comprehensive set of laws governing commercial transactions, particularly Articles 3 and 4 relating to negotiable instruments and bank deposits
State Usury Laws: State-specific laws that set maximum interest rates and regulate lending practices within each state
E-SIGN Act: Federal law ensuring the legal validity of electronic signatures and electronic records in interstate commerce
Uniform Electronic Transactions Act (UETA): State-level law providing legal framework for electronic transactions and signatures
Bank Secrecy Act (BSA): Federal law requiring financial institutions to assist government agencies in detecting and preventing money laundering
Anti-Money Laundering (AML) Regulations: Federal regulations designed to prevent conversion of illegally obtained money into legitimate assets
Know Your Customer (KYC) Requirements: Banking regulations requiring financial institutions to verify the identity of their clients and assess potential risks
Gramm-Leach-Bliley Act (GLBA): Federal law requiring financial institutions to explain their information-sharing practices and protect sensitive data
California Consumer Privacy Act (CCPA): State law providing California residents with rights regarding the collection and use of their personal information
PCI DSS Compliance: Payment Card Industry Data Security Standard requirements for organizations that handle credit card information
