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Truth in Lending Act (TILA): Federal law requiring lenders to provide standardized disclosures about terms and costs associated with lending, ensuring transparency in consumer credit transactions.

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 whether an applicant receives public assistance.

Fair Credit Reporting Act (FCRA): Federal law that regulates the collection, dissemination, and use of consumer credit information, ensuring fair and accurate credit reporting.

Fair Debt Collection Practices Act (FDCPA): Federal law that limits the behavior and actions of debt collectors and protects borrowers from abusive debt collection practices.

Dodd-Frank Wall Street Reform: Comprehensive federal law that brought significant changes to financial regulation, including the creation of the Consumer Financial Protection Bureau.

State Usury Laws: State-specific laws that set maximum interest rates that lenders can legally charge borrowers.

State Lending Regulations: State-specific rules governing lending practices, licensing requirements, and consumer protections within the state jurisdiction.

State Consumer Protection Laws: State-specific laws designed to protect consumers from unfair or deceptive lending practices.

CFPB Regulations: Federal regulations issued by the Consumer Financial Protection Bureau governing consumer financial products and services, including loans.

Federal Reserve Board Regulations: Federal regulations that govern banking practices and monetary policy, affecting lending standards and practices.

FTC Guidelines: Federal Trade Commission guidelines protecting consumers from unfair or deceptive lending practices and promoting competition in the lending market.

Uniform Commercial Code (UCC): Standardized set of laws governing commercial transactions, particularly relevant when loans involve collateral.

SBA Guidelines: Small Business Administration guidelines specifically governing small business loans and lending practices.

Real Estate Settlement Procedures Act: Federal law requiring lenders to provide specific disclosures regarding real estate transactions and prohibiting certain practices in real estate settlements.