Truth in Lending Act (TILA): Federal law requiring disclosure of credit terms and standardized calculation of borrowing costs to protect consumers in credit transactions

Real Estate Settlement Procedures Act (RESPA): Federal law governing real estate settlement processes, requiring disclosure of settlement costs and prohibiting kickbacks in real estate transactions

Equal Credit Opportunity Act (ECOA): Prohibits discrimination in credit transactions based on race, color, religion, national origin, sex, marital status, age, or public assistance program participation

Fair Credit Reporting Act (FCRA): Regulates the collection, dissemination, and use of consumer credit information, ensuring fairness, accuracy, and privacy

Dodd-Frank Wall Street Reform: Comprehensive financial reform legislation that established the CFPB and implemented new consumer protection regulations in financial services

SAFE Act: Secure and Fair Enforcement for Mortgage Licensing Act establishing minimum standards for mortgage loan originators and licensing requirements

State Licensing Requirements: State-specific regulations governing the licensing and operation of loan brokers within each jurisdiction

State Usury Laws: State-specific limitations on interest rates and loan charges that can be legally assessed on loans

Bank Secrecy Act: Federal law requiring financial institutions to assist government agencies in detecting and preventing money laundering

USA PATRIOT Act: Federal law including provisions for preventing, detecting, and prosecuting international money laundering and financing of terrorism

Fee Disclosure Requirements: Federal and state regulations mandating transparent disclosure of all broker fees, commissions, and charges to borrowers

NMLS Requirements: National Mortgage Licensing System standards and requirements for mortgage loan originators and brokers