Truth in Lending Act (TILA): Federal law that requires lenders to provide standardized disclosures about terms and costs associated with mortgage lending

Real Estate Settlement Procedures Act (RESPA): Federal law governing real estate settlement processes, requiring specific disclosures for mortgage loans and prohibiting kickbacks

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

Fair Housing Act: Federal law prohibiting discrimination in residential real estate transactions, including mortgage lending

Home Mortgage Disclosure Act (HMDA): Federal law requiring financial institutions to maintain and annually disclose data about home purchases, home improvement, and refinance applications

State Property Laws: State-specific laws governing real property rights, transfers, and encumbrances that vary by jurisdiction

State Mortgage and Foreclosure Laws: State-specific regulations governing mortgage creation, enforcement, and foreclosure procedures

State Recording Requirements: State-specific rules for how mortgage documents must be recorded in public records

State Consent Requirements: State-specific rules regarding what constitutes valid consent and any special requirements for mortgage consent

State Homestead Laws: State-specific protections for homeowners regarding their primary residence and requirements for homestead waivers

Local Recording Office Requirements: Specific document formatting and submission requirements set by county or municipal recording offices

Notarization Requirements: State-specific rules for proper notarization of mortgage documents and consent forms

MERS Requirements: Specific requirements for mortgages registered with the Mortgage Electronic Registration Systems

Community Property Laws: Special considerations for mortgages in community property states where both spouses may have rights to the property

Dower/Curtesy Rights: Traditional property rights of surviving spouses that may still apply in some jurisdictions

CFPB Regulations: Consumer Financial Protection Bureau rules governing mortgage lending and consumer protection

State Disclosure Requirements: State-specific requirements for disclosures that must be made in mortgage documentation

Bank Regulatory Requirements: Additional requirements imposed by banking regulators for mortgage documentation and processing