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Truth in Lending Act (TILA) and Regulation Z: Federal law requiring disclosure of credit terms and standardizing how costs associated with borrowing are calculated and disclosed

Dodd-Frank Wall Street Reform and Consumer Protection Act: Federal legislation that brought significant changes to financial regulation and consumer protection in the financial sector

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 because someone receives public assistance

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

State Usury Laws: State-specific laws that set maximum interest rates that can be charged on loans

State Lending Regulations: State-specific rules governing lending practices, licensing requirements, and consumer protections

State Securities Laws: State-level regulations that may apply if the loan note could be considered a security

UCC Article 3: Uniform Commercial Code article governing negotiable instruments, including promissory notes

UCC Article 9: Uniform Commercial Code article covering secured transactions, relevant for understanding the distinction with unsecured loans

Internal Revenue Code: Federal tax provisions regarding the treatment of interest income and deductions related to loans

Bankruptcy Code: Federal laws governing bankruptcy proceedings and the treatment of unsecured creditors in bankruptcy

CFPB Regulations: Consumer Financial Protection Bureau rules governing consumer lending practices and consumer protection