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Truth in Lending Act (TILA): Federal law requiring disclosure of credit terms and standardizing how costs associated with borrowing are calculated and disclosed

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

Fair Debt Collection Practices Act (FDCPA): Federal law that limits the behavior and actions of debt collectors who are attempting to collect debts on behalf of another person or entity

UCC Article 3 - Negotiable Instruments: Uniform Commercial Code provisions governing negotiable instruments, including promissory notes, providing rules for their creation, transfer, and enforcement

State Usury Laws: State-specific regulations that set maximum interest rates that can be charged on loans and outline penalties for exceeding these rates

State-Specific Note Requirements: Individual state requirements for the format, content, and execution of promissory notes, including any mandatory disclosure statements

Statute of Limitations: State-specific time limits within which legal action must be taken to enforce the promissory note

Securities Act of 1933: Federal law that may apply if the promissory note could be classified as a security, requiring registration or qualifying for an exemption

State Blue Sky Laws: State-specific securities regulations that may apply to promissory notes considered investment instruments

Consumer Protection Laws: State and federal regulations designed to protect consumers from unfair practices in financial transactions

Statute of Frauds: Legal requirement that certain contracts, including promissory notes, must be in writing and signed to be enforceable

Federal Bankruptcy Code: Federal laws governing bankruptcy proceedings that may affect the enforcement and collection of promissory notes