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1. **Truth in Lending Act (TILA)**: In the United States, the Truth in Lending Act requires lenders to disclose key terms and costs associated with a loan, including the annual percentage rate (APR), total amount financed, total finance charges, and payment schedule. This applies to most consumer loans, including auto loans.

2. **Advertising Regulations**: Many jurisdictions have regulations governing how businesses can advertise prices and financing terms. This includes requirements to clearly disclose any additional fees or conditions that may apply to an advertised price or financing offer.

3. **Consumer Rights**: Consumer protection laws often include provisions that give consumers the right to clear and accurate information about the terms and conditions of a transaction before they commit to it. This may include the right to receive written disclosures and to ask questions about any terms they don't understand.

4. **Unfair and Deceptive Practices**: Laws may prohibit businesses from engaging in unfair or deceptive practices, including misleading consumers about the cost or terms of a transaction. This can include practices like hiding fees or misrepresenting the terms of financing.

5. **Contract Law**: Contract law principles may also apply, requiring that contracts be written in clear and understandable language, and that all parties to the contract fully understand and agree to its terms.

It's important for consumers to familiarize themselves with the relevant laws and regulations in their area, and to carefully review all documentation and disclosures provided by a lender or seller before agreeing to any financing or purchase. If there are concerns about the fairness or legality of loan terms or pricing practices, consumers may have recourse through regulatory agencies or legal channels.