Truth in Lending Act (TILA): Federal law requiring lenders to provide standardized disclosures about terms and costs of consumer credit, including real estate loans

Real Estate Settlement Procedures Act (RESPA): Federal law governing real estate settlement processes, requiring specific disclosures for real estate transactions and prohibiting kickbacks

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 status

Fair Housing Act: Federal law prohibiting discrimination in real estate transactions, including mortgage lending, based on protected characteristics

Home Mortgage Disclosure Act (HMDA): Federal law requiring financial institutions to maintain and report data about home lending to ensure fair lending practices

Federal Fair Debt Collection Practices Act: Federal law regulating the conduct of debt collectors and protecting borrowers from abusive collection practices

Dodd-Frank Wall Street Reform Act: Comprehensive federal law establishing new requirements for mortgage lending and creating the Consumer Financial Protection Bureau

State Usury Laws: State-specific laws setting maximum interest rates and terms for loans, varying by jurisdiction

State Mortgage and Real Estate Laws: State-specific regulations governing real estate transactions, mortgage requirements, and property rights

State Consumer Protection Laws: State-specific laws protecting consumers in financial transactions, including property loans

State Foreclosure Laws: State-specific procedures and requirements for foreclosure processes when borrowers default on property loans

Uniform Commercial Code Article 9: Governs secured transactions, including the creation and enforcement of security interests in property

CFPB Qualified Mortgage Rules: Federal regulations establishing standards for mortgage loans, including ability-to-repay requirements and loan feature restrictions

State Recording Requirements: State-specific rules for recording mortgages, deeds of trust, and other property-related documents in public records

Local Property Laws: Municipal and county regulations affecting property use, zoning, and real estate transactions

Bankruptcy Laws: Federal and state laws affecting how property loans are treated in bankruptcy proceedings