The Equal Credit Opportunity Act (ECOA), Title VII of the Consumer Credit Protection Act, prohibits discrimination on the basis of race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or good faith exercise of any rights under the Consumer Credit Protection Act.

The Fair Credit Reporting Act (FCRA) protects consumer information shared with agencies such as car dealerships. This helps to ensure the accuracy and fairness of the details collected in consumer credit bureau files. Information in a report cannot be provided to anyone who does not have a purpose specified in the Act. 

The Office of Foreign Assets Control (OFAC) of the US Department of the Treasury administers and enforces economic and trade sanctions based on US foreign policy and national security goals against targeted foreign countries and regimes, terrorists, international narcotics traffickers, those engaged in activities related to the proliferation of weapons of mass destruction, and other threats to the national security, foreign policy or economy of the United​ States.

The Federal Trade Commission's Standards for Safeguarding Customer Information, or the Safeguards Rule, is to ensure that entities covered by the Rule maintain safeguards to protect the security of customer information. The regulation, originally enacted in 2003, was amended by the FTC in late 2021 in order to align with current technology. The revised Safeguards Rule provides more concrete guidence for auto dealerships and reflects core data security principles that all covered companies need to implement.

The Used Motor Vehicle Trade Regulation Rule, or the Used Car Rule, was put into effect in 1985. Most car dealers who sell, or offer for sale, more than 5 used vehicles in a 12-month period must comply with the rule. The Rule applies in all states except Maine and Wisconsin. These two states are exempt because they have similar regulations that require dealers to post disclosures on used vehicles. The Rule applies in the District of Columbia, Puerto Rico, Guam, the U.S. Virgin Islands, and American Samoa.