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Uniform Commercial Code (UCC): Article 3 governs negotiable instruments, while Article 9 covers secured transactions if the note is secured. These provide the fundamental framework for promissory notes.

State-Specific Laws: Individual state regulations governing promissory notes, including state-specific interest rate limitations (usury laws) and statute of limitations for enforcement.

Truth in Lending Act (TILA): Federal law requiring specific disclosures for consumer credit transactions, including disclosure requirements for promissory notes used in consumer lending.

Federal and State Securities Laws: Regulations that may apply if the promissory note could be classified as a security, affecting registration and disclosure requirements.

Fair Debt Collection Practices Act (FDCPA): Federal law governing debt collection practices, relevant if the note becomes subject to collection efforts.

Bankruptcy Code: Federal laws affecting the enforceability of promissory notes in bankruptcy proceedings and creditor rights.

State Contract Law: Basic contract formation requirements including consideration, capacity to contract, and general contractual obligations under state law.

Statute of Frauds: Legal requirements for written documentation and signatures in contractual agreements, including specific requirements for promissory notes.