Truth in Lending Act (TILA): Federal law that requires clear disclosure of lending terms and costs to borrowers in credit transactions, including real estate 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 credit transactions based on race, color, religion, national origin, sex, marital status, age, or public assistance status

Fair Credit Reporting Act (FCRA): Federal law regulating the collection, dissemination, and use of consumer credit information

Uniform Commercial Code (UCC) Article 9: Governs secured transactions and provides rules for creating and enforcing security interests in personal property

State Property Laws: State-specific regulations governing property rights, transfers, and encumbrances within the respective state jurisdiction

State Banking Regulations: State-specific rules governing banking operations, lending practices, and financial institution conduct within the state

State Security Interest Laws: State-specific regulations governing how security interests are created, perfected, and enforced within the state

State Foreclosure Laws: State-specific procedures and requirements for foreclosure processes and property recovery

Federal Reserve Board Regulations: Guidelines and requirements set by the Federal Reserve for banking operations and lending practices

OCC Guidelines: Regulatory framework established by the Office of the Comptroller of the Currency for national banks and federal savings associations

FDIC Requirements: Standards and regulations set by the Federal Deposit Insurance Corporation for insured financial institutions

CFPB Regulations: Consumer protection rules and requirements established by the Consumer Financial Protection Bureau

Anti-Money Laundering Regulations: Federal requirements designed to prevent and detect money laundering activities in financial transactions

Know Your Customer (KYC) Requirements: Due diligence procedures required to verify the identity and suitability of clients in financial transactions

Bank Secrecy Act: Federal law requiring financial institutions to assist government agencies in detecting and preventing money laundering

Patriot Act Compliance: Requirements for financial institutions to help prevent terrorism financing and enhance anti-money laundering measures

Local Property Registration Requirements: County and municipal level requirements for recording property transactions and encumbrances

Title Insurance Requirements: Standards and regulations governing title insurance policies and coverage for real estate transactions

Property Valuation Standards: Requirements and guidelines for conducting and reporting property appraisals and valuations