Truth in Lending Act (TILA): Federal law requiring clear disclosure of lending terms and costs to protect consumers in credit transactions
Fair Credit Reporting Act (FCRA): Federal legislation governing the collection, dissemination, and use of consumer credit information
Consumer Credit Protection Act: Federal law providing a comprehensive framework for consumer credit rights and protections
Equal Credit Opportunity Act: Prohibits credit discrimination on the basis of race, color, religion, national origin, sex, marital status, age, or public assistance status
Federal Trade Commission Act: Prohibits unfair or deceptive practices in commerce, including consumer credit arrangements
UCC Article 2: Uniform Commercial Code provisions governing sales of goods, including installment sales contracts
UCC Article 9: Uniform Commercial Code provisions governing secured transactions and security interests in personal property
State Contract Laws: State-specific regulations governing contract formation, enforcement, and remedies
State Usury Laws: State-specific regulations limiting maximum interest rates and governing finance charges
State Consumer Protection Laws: State-specific regulations protecting consumers from unfair business practices and fraud
Statute of Frauds: Legal requirement that certain contracts must be in writing to be enforceable
Bankruptcy Laws: Federal laws affecting creditor rights and payment obligations in case of debtor bankruptcy
Fair Debt Collection Practices Act: Federal law regulating the conduct of debt collectors and protecting debtors from abusive practices
E-SIGN Act: Electronic Signatures in Global and National Commerce Act governing the validity of electronic signatures and records
