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

Real Estate Settlement Procedures Act (RESPA): Federal law requiring lenders, mortgage brokers, and servicers to provide borrowers with pertinent and timely disclosures regarding real estate settlement process

Fair Housing Act: Federal law prohibiting discrimination in real estate transactions based on race, color, religion, sex, national origin, disability, or familial status

Equal Credit Opportunity Act: Federal law ensuring equal access to credit and prohibiting discrimination in credit transactions

Interstate Land Sales Full Disclosure Act: Federal law protecting consumers from fraud and abuse in the sale or lease of land

State Property Laws: State-specific laws governing real property rights, transfers, and obligations

State Real Estate Transfer Laws: State-specific requirements for transferring real property ownership and recording deeds

State Recording Requirements: State-specific rules for documenting and recording real estate transactions in public records

State Disclosure Requirements: State-mandated disclosures about property condition, defects, and other material facts

State Contract Laws: State-specific rules governing formation and enforcement of contracts, including real estate contracts

Local Zoning Laws: Municipal regulations governing property use, development, and restrictions

HOA Requirements: Rules and regulations set by Homeowners Associations affecting property use and transfer

Building Codes: Local and state regulations governing building construction and safety standards

Environmental Regulations: Federal and state laws protecting environmental resources and requiring specific disclosures

Historic Preservation Laws: Regulations protecting historically significant properties and governing their modification

Property Description Requirements: Legal requirements for accurately describing the property being transferred, including boundaries and improvements

Purchase Price Provisions: Requirements for clearly stating the purchase price and payment terms in the contract

Financing Terms Requirements: Rules governing how financing arrangements must be documented in the purchase contract

Closing Requirements: Legal requirements for finalizing the real estate transaction and transfer of ownership

Title Insurance Requirements: Rules regarding title insurance and protection of ownership rights