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Truth in Lending Act (TILA): Federal law requiring lenders to provide standardized disclosures about terms and costs of consumer credit, including APR, finance charges, and payment terms

Equal Credit Opportunity Act (ECOA): Federal law prohibiting discrimination in lending based on race, color, religion, national origin, sex, marital status, age, or public assistance status

Fair Credit Reporting Act (FCRA): Federal law regulating the collection, dissemination, and use of consumer credit information

UCC Article 9: Uniform Commercial Code article governing secured transactions, including creation and perfection of security interests in collateral

UCC Article 3: Uniform Commercial Code article governing negotiable instruments, including promissory notes used in loan transactions

UCC Article 1: Uniform Commercial Code general provisions applying to all commercial transactions, including good faith and fair dealing requirements

State Usury Laws: State-specific laws setting maximum permissible interest rates and defining usurious lending practices

State Consumer Protection Laws: State-specific regulations protecting consumers from unfair lending practices and providing additional rights

CFPB Regulations: Consumer Financial Protection Bureau rules governing consumer lending practices, disclosures, and borrower protections

Fair Debt Collection Practices Act: Federal law regulating debt collection practices and protecting borrowers from abusive collection methods

Bankruptcy Code Provisions: Federal laws governing treatment of secured loans in bankruptcy, including automatic stay and collateral disposition

Anti-Money Laundering Regulations: Federal requirements for lenders to verify borrower identity and source of funds to prevent money laundering

IRS Regulations: Tax implications and reporting requirements for loan transactions, including treatment of interest income and debt forgiveness

State Lending License Requirements: State-specific licensing and registration requirements for entities engaged in lending activities

State Foreclosure Laws: State-specific procedures and requirements for enforcing security interests and repossessing collateral upon default