Truth in Lending Act (TILA): Federal law requiring lenders to provide standardized disclosures about loan 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

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

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

Dodd-Frank Act: Federal legislation affecting financial institutions and consumer protection in financial transactions

State Usury Laws: State-specific laws that set maximum legal interest rates and regulate lending practices within the state

State UCC Modifications: State-specific adaptations and modifications to the Uniform Commercial Code that may affect promissory notes

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

State Statute of Limitations: State-specific time limits for bringing legal action to enforce debt collection

Statute of Frauds: Legal requirement that certain contracts, including those involving significant debt, must be in writing to be enforceable

Recording Requirements: Legal requirements for recording the promissory note if secured by real property

Bankruptcy Laws: Federal laws affecting the treatment of promissory notes in bankruptcy proceedings

Contract Modification Rules: Legal principles governing how existing contracts can be properly modified while maintaining enforceability

Novation Principles: Legal rules governing the substitution of a new obligation for an existing one, which may be relevant in significant amendments