Truth in Lending Act (TILA): Federal law that requires lenders to provide standardized disclosures about mortgage terms and costs, protecting 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): Federal law prohibiting discrimination in lending based on race, color, religion, national origin, sex, marital status, age, or public assistance program participation.

Fair Housing Act: Federal law prohibiting discrimination in housing-related transactions, including mortgage lending, based on protected characteristics.

Home Mortgage Disclosure Act (HMDA): Federal law requiring financial institutions to maintain and disclose data about home purchases, refinancing and improvement loans.

Consumer Credit Protection Act: Federal law providing a comprehensive framework for consumer credit rights and lender responsibilities in credit transactions.

Dodd-Frank Wall Street Reform: Federal law implementing financial regulatory reform, including mortgage lending practices and consumer protection measures.

State Property Laws: State-specific regulations governing real property rights, transfers, and encumbrances within the particular state's jurisdiction.

State Mortgage Regulations: State-specific rules governing mortgage lending, modification procedures, and foreclosure processes.

State Recording Requirements: State-specific rules for properly recording mortgage documents and modifications in public records.

State Consumer Protection Laws: State-specific regulations protecting consumers in financial transactions, including mortgage lending.

State Usury Laws: State-specific regulations limiting maximum interest rates and governing loan charge restrictions.

CFPB Regulations: Federal regulations from the Consumer Financial Protection Bureau governing mortgage servicing rules and consumer protection.

GSE Requirements: Specific requirements from government-sponsored enterprises (Fannie Mae, Freddie Mac) for conforming mortgages and modifications.

FHA/VA Requirements: Special requirements for modifying FHA or VA guaranteed loans, including specific modification programs and guidelines.