Truth in Lending Act (TILA): Federal law that requires lenders to provide standardized disclosures about credit and loan terms, protecting consumers in credit transactions
Real Estate Settlement Procedures Act (RESPA): Federal law governing real estate settlement processes, requiring disclosures about mortgage settlement costs and prohibiting kickbacks
Home Mortgage Disclosure Act (HMDA): Federal law requiring financial institutions to maintain and annually disclose data about housing-related lending activities
Equal Credit Opportunity Act (ECOA): Federal law prohibiting discrimination in credit transactions based on race, color, religion, national origin, sex, marital status, or age
Fair Housing Act: Federal law prohibiting discrimination in residential real estate transactions based on protected characteristics
Consumer Credit Protection Act: Federal law providing a comprehensive framework for consumer credit rights and responsibilities
Dodd-Frank Act: Federal law implementing financial regulatory reform and consumer protection measures in response to the 2008 financial crisis
State Property Laws: State-specific laws governing real property rights, transfers, and restrictions
State Recording Requirements: State-specific rules for recording and filing mortgage documents with local authorities
State Foreclosure Laws: State-specific procedures and requirements for foreclosure processes
State Mortgage Regulations: State-specific rules governing mortgage lending practices and requirements
State Usury Laws: State-specific limitations on interest rates and loan charges
State Consumer Protection Laws: State-specific regulations protecting consumers in financial transactions
Uniform Commercial Code (UCC): Standardized set of laws governing commercial transactions, including secured transactions
Local Recording Requirements: County-specific rules for recording mortgage documents and maintaining public records
Tax Laws: Federal and state tax implications related to mortgage transactions and property ownership
Bankruptcy Laws: Federal laws affecting mortgage rights and obligations in bankruptcy situations
Securities Laws: Federal and state regulations governing mortgage securitization and secondary market transactions
Environmental Regulations: Federal and state environmental laws affecting property use and transfer, particularly relevant for commercial properties
