Truth in Lending Act (TILA): Federal law that requires lenders to provide standardized disclosures about terms and costs associated with lending, ensuring transparency in consumer credit transactions.

Dodd-Frank Act: Federal legislation that reformed financial regulation and consumer protection, including provisions affecting lending practices and documentation requirements.

Federal Consumer Credit Protection Act: Comprehensive federal law governing consumer credit practices and providing protections for borrowers in credit transactions.

Securities Act of 1933: Federal law that may apply if the promissory note could be classified as a security, requiring specific disclosures and registration requirements.

UCC Article 3: Uniform Commercial Code Article governing negotiable instruments, including promissory notes, providing rules for creation, enforcement, and transfer.

State Usury Laws: State-specific laws that set maximum interest rates and regulate lending practices to prevent excessive charges.

State Consumer Protection Laws: State-specific regulations protecting consumers in financial transactions, including disclosure requirements and prohibited practices.

State Statute of Limitations: Time limits set by state law for bringing legal action to enforce a promissory note.

Statute of Frauds: Legal doctrine requiring certain contracts, including promissory notes, to be in writing and signed to be enforceable.

State Recording Requirements: State-specific rules governing how and where promissory notes must be recorded or filed.

Novation Rules: Legal principles governing the substitution of a new contract for an existing one, relevant for amended agreements.

Modification Requirements: Legal rules governing how existing contracts can be validly modified or amended.

Internal Revenue Code: Federal tax laws affecting the treatment of promissory notes, including interest income and expense considerations.

State Tax Laws: State-specific tax regulations affecting debt instruments and associated financial transactions.