Truth in Lending Act (TILA): Federal law that requires clear disclosure of lending terms and costs to protect consumers in credit transactions

Fair Debt Collection Practices Act (FDCPA): Federal law governing debt collection practices and protecting debtors from abusive collection practices

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

UCC Article 3: Uniform Commercial Code provisions governing negotiable instruments, including promissory notes and their modifications

State Usury Laws: State-specific laws that regulate maximum allowable interest rates and related charges on loans

State Contract Laws: State-specific regulations governing contract formation, modification, and enforcement

State Recording Requirements: State-specific rules for recording and filing legal documents, including note modifications

State Consumer Protection Laws: State-specific regulations designed to protect consumers in financial transactions

Contract Modification Requirements: Legal formalities required for valid modification of existing contracts, including proper execution and consideration

Statute of Frauds: Legal requirement that certain contracts and modifications must be in writing and signed to be enforceable

Original Note Terms: Existing terms and conditions of the original note that must be considered when drafting an addendum

Bankruptcy Laws: Federal and state laws governing creditor-debtor relationships in bankruptcy situations

Securities Laws: Federal and state regulations applicable if the note is securitized or traded as a security

Security Interest Laws: Laws governing secured transactions if the note is secured by collateral or property