RESPA: Real Estate Settlement Procedures Act - Federal law governing real estate settlement processes and prohibiting kickbacks and referral fees in mortgage transactions

TILA: Truth in Lending Act - Federal law requiring disclosure of credit terms and standardizing the manner in which costs associated with borrowing are calculated and disclosed

ECOA: Equal Credit Opportunity Act - Federal law prohibiting discrimination in lending based on race, color, religion, national origin, sex, marital status, age, or public assistance program participation

Fair Housing Act: Federal law prohibiting discrimination in real estate transactions, including mortgage lending, based on protected characteristics

Dodd-Frank Act: Comprehensive financial reform law affecting mortgage industry practices, including broker compensation and disclosure requirements

State Licensing Requirements: State-specific regulations governing the licensing and operations of mortgage brokers within each jurisdiction

State Real Estate Laws: State-specific laws governing real estate transactions and broker conduct within each jurisdiction

State Usury Laws: State-specific regulations limiting interest rates and fees that can be charged in lending transactions

CFPB Regulations: Consumer Financial Protection Bureau rules governing mortgage broker conduct, compensation, and consumer protection

Fed Reserve Regulations: Federal Reserve Board regulations affecting mortgage lending practices and financial institution operations

NAMB Guidelines: National Association of Mortgage Brokers professional standards and best practices for mortgage brokers

Fiduciary Duties: Legal obligations requiring mortgage brokers to act in the best interest of their clients and maintain highest standards of professional conduct

Anti-Kickback Provisions: Legal restrictions prohibiting improper payments or fee-splitting arrangements in mortgage transactions

Fee Disclosure Requirements: Legal obligations to properly disclose all fees, commissions, and compensation arrangements to all parties involved in the transaction

Contract Termination Provisions: Legal requirements governing the conditions and procedures for terminating broker agreements and associated obligations