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Truth in Lending Act (TILA): Federal law requiring disclosure of credit terms, including APR, finance charges, and borrower's rights. Essential for consumer loan documentation.

Equal Credit Opportunity Act (ECOA): Federal law prohibiting discrimination in lending practices based on race, color, religion, national origin, sex, marital status, age, or public assistance status.

Fair Debt Collection Practices Act (FDCPA): Federal law governing debt collection practices and protecting borrowers from abusive collection methods.

Federal Consumer Credit Protection Act: Comprehensive federal legislation protecting consumers in credit transactions, including requirements for credit reporting and debt collection.

Dodd-Frank Act: Federal law establishing the Consumer Financial Protection Bureau and implementing various consumer protection measures in financial transactions.

State Usury Laws: State-specific regulations setting maximum legal interest rates and penalties for exceeding these limits.

State Lending Regulations: State-specific rules governing lending practices, including licensing requirements and operational restrictions.

State Contract Laws: State-specific requirements for valid contract formation, enforcement, and remedies.

State Statute of Limitations: State-specific time limits for bringing legal action to collect on a debt or enforce a promissory note.

State Disclosure Requirements: State-specific rules about what information must be disclosed to borrowers in loan documents.

UCC Article 3: Uniform Commercial Code provisions governing negotiable instruments, including promissory notes.

UCC Article 9: Uniform Commercial Code provisions governing secured transactions, relevant if the loan is secured by collateral.

Statute of Frauds: Legal doctrine requiring certain contracts to be in writing to be enforceable, particularly relevant for loans over certain amounts.

Contract Formation Elements: Basic requirements for valid contract formation including offer, acceptance, consideration, and intent to create legal relations.

Capacity Requirements: Legal requirements regarding parties' mental capacity and legal authority to enter into binding contracts.