In New Jersey, you are protected by both federal and state laws. The Truth in Lending Act (TILA) requires lenders to disclose the terms and costs of credit. The New Jersey Consumer Fraud Act (CFA) prohibits unconscionable commercial practices and can provide remedies, including treble damages, for victims of predatory lending. For certain high-cost home loans, the New Jersey Home Ownership Security Act (HOSA) offers additional protections.