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Truth in Lending Act (TILA): Federal law that requires lenders to provide standardized disclosures about terms and costs associated with home loans, protecting consumers from misleading lending practices

Real Estate Settlement Procedures Act (RESPA): Federal law governing real estate settlement processes, requiring disclosure of settlement costs and prohibiting kickbacks in real estate transactions

Fair Housing Act: Federal law prohibiting discrimination in housing transactions based on race, color, religion, sex, national origin, familial status, or disability

Equal Credit Opportunity Act (ECOA): Federal law ensuring equal access to credit and prohibiting discrimination in lending practices based on protected characteristics

Home Mortgage Disclosure Act (HMDA): Federal law requiring financial institutions to maintain and disclose data about home loans to ensure fair lending practices

State Property Laws: State-specific regulations governing property rights, transfers, and real estate transactions within the state jurisdiction

State Lending Regulations: State-specific rules governing lending practices, interest rates, and loan terms within the state

State Real Estate Laws: State-specific legislation governing real estate transactions, licensing, and property management

State Consumer Protection Laws: State-specific regulations protecting consumers from unfair practices in real estate and lending transactions

CFPB Regulations: Consumer Financial Protection Bureau guidelines governing consumer financial products and services, including mortgage lending

FHA Guidelines: Federal Housing Administration requirements for FHA-insured mortgages and associated property standards

HUD Requirements: Department of Housing and Urban Development regulations governing housing standards and fair housing practices

Federal Reserve Board Regulations: Banking regulations that affect mortgage lending practices and financial institution operations

Local Zoning Laws: Municipal regulations governing property use, development, and modifications within specific jurisdictions

HOA Rules: Homeowners Association regulations that may affect property use, modifications, and amenities in specific communities

Building Codes: Local and state construction and safety standards that must be met for residential properties

Environmental Regulations: Federal and state environmental protection requirements affecting property use and development

Americans with Disabilities Act: Federal law requiring accessibility standards in certain residential properties and common areas