Truth in Lending Act (TILA): Federal law that requires clear disclosure of lending terms and costs to borrowers. Must be considered when structuring fee disclosures in the agreement.

Real Estate Settlement Procedures Act (RESPA): Federal law governing real estate transactions and associated loan services. Relevant if the commercial loan involves real estate collateral.

Equal Credit Opportunity Act (ECOA): Federal law prohibiting discrimination in lending practices. Must be reflected in the broker's obligations and representations.

Fair Credit Reporting Act (FCRA): Federal law regulating the collection and use of consumer credit information. Relevant for credit check procedures and information handling.

Dodd-Frank Act: Comprehensive financial reform legislation affecting financial services and lending practices. Sets various requirements for broker conduct and disclosures.

State Licensing Requirements: Specific state-by-state regulations governing loan broker licensing and registration. Must be addressed in representations and warranties.

State Usury Laws: State-specific limitations on interest rates and fees. Must be considered when structuring broker compensation.

Securities Exchange Act: Federal law that may apply if the loan arrangement could be considered a security. Affects broker's scope of services and disclaimers.

Bank Secrecy Act: Federal law requiring financial institutions to assist government agencies in detecting and preventing money laundering. Impacts due diligence requirements.

NMLS Requirements: Nationwide Multistate Licensing System standards for loan originators and brokers. Must be reflected in broker qualifications and compliance provisions.

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

State Contract Laws: General state laws governing contract formation, enforcement, and interpretation. Forms the basic legal framework for the agreement.

State Blue Sky Laws: State-specific securities regulations that may apply to certain loan arrangements. Must be considered in scope of services and compliance provisions.

USA PATRIOT Act: Federal law including provisions for preventing financing of terrorism. Affects customer verification and reporting requirements.

CFPB Regulations: Consumer Financial Protection Bureau rules governing financial services and consumer protection. Impacts various aspects of broker conduct and disclosures.