Truth in Lending Act (TILA) and Regulation Z: Federal law requiring disclosure of key terms and costs in lending, governing consumer credit transactions
Real Estate Settlement Procedures Act (RESPA): Federal law regulating real estate settlement processes and requiring specific disclosures for residential real estate transactions
Equal Credit Opportunity Act (ECOA): Federal law prohibiting discrimination in lending and ensuring fair access to credit
Fair Credit Reporting Act (FCRA): Federal law regulating the use of credit information and credit check procedures
State Property Laws: State-specific laws governing recording requirements, property rights and restrictions
State Usury Laws: State-specific laws regulating maximum interest rates and fee limitations in lending
State Security Interest Laws: State-specific laws governing requirements for creating and perfecting security interests, including UCC Article 9 for personal property
State Foreclosure Laws: State-specific laws governing procedures for default and foreclosure, including borrower protection provisions
Uniform Commercial Code (UCC): Particularly Article 9 governing secured transactions and filing requirements
Dodd-Frank Act: Federal law containing provisions for consumer protection requirements in lending and financial transactions
