Lending regulations are rules set by governments and financial authorities to ensure fair practices in the lending industry. These regulations protect consumers from predatory lending, requiring lenders to provide clear information about loan terms, interest rates, and fees. They also establish guidelines for credit assessments, ensuring that loans are granted based on a borrower's ability to repay. In many countries, lending regulations include provisions like the Truth in Lending Act in the United States, which mandates transparency in lending. These rules help maintain a stable financial system by promoting responsible lending and reducing the risk of defaults and financial crises.