TILA and Regulation Z: Federal Truth in Lending Act and its implementing Regulation Z, which require disclosure of key loan terms and costs to borrowers

ECOA: Equal Credit Opportunity Act prohibits discrimination in lending based on race, color, religion, national origin, sex, marital status, age, or source of income

FCRA: Fair Credit Reporting Act governs the collection, dissemination, and use of consumer credit information

Dodd-Frank Act: Comprehensive financial reform legislation that established the Consumer Financial Protection Bureau and enhanced consumer protections in lending

Federal Reserve Regulations: Various Federal Reserve Board regulations governing lending practices and monetary policy

State Usury Laws: State-specific laws that set maximum interest rates and regulate lending terms within each jurisdiction

State Lending Regulations: State-specific rules governing lending practices, licensing requirements, and consumer protections

State Securities Laws: State-level regulations governing securities and investments, including when promissory notes may be considered securities

UCC Article 3: Uniform Commercial Code Article 3 governing negotiable instruments, including promissory notes

UCC Article 9: Uniform Commercial Code Article 9 governing secured transactions and collateral

RESPA: Real Estate Settlement Procedures Act governing real estate transactions and associated lending practices

IRS Regulations: Internal Revenue Service rules regarding the treatment of interest income and debt instruments

Bankruptcy Laws: Federal and state bankruptcy laws affecting creditor rights and debt collection

SEC Regulations: Securities and Exchange Commission rules that may apply if the promissory note could be considered a security