Truth in Lending Act (TILA): Federal law requiring lenders to provide standardized disclosures about loan terms and costs, ensuring transparency in lending transactions.

Fair Debt Collection Practices Act (FDCPA): Federal legislation governing debt collection practices and protecting borrowers from abusive collection methods.

UCC Article 3: Uniform Commercial Code provisions governing negotiable instruments, including promissory notes, their transfer, and enforcement.

Regulation Z: Federal Reserve Board regulation implementing TILA, providing specific rules for consumer credit disclosures.

State Usury Laws: State-specific regulations that set maximum legal interest rates and penalties for exceeding these limits.

State Promissory Note Requirements: State-specific formal requirements for promissory notes, including necessary clauses and formatting.

State Debt Consolidation Laws: State regulations governing the consolidation of multiple debts into a single note, including disclosure requirements.

State Statutes of Limitations: Time limits set by state law for bringing legal action to collect on a promissory note.

Securities Act of 1933: Federal law that may apply if the promissory note could be classified as a security, requiring registration or exemption.

State Blue Sky Laws: State-specific securities regulations that may apply to promissory notes depending on their characteristics and use.

Statute of Frauds: Legal doctrine requiring certain contracts, including promissory notes, to be in writing and signed to be enforceable.

Contract Formation Requirements: Basic legal elements necessary for valid contract formation: offer, acceptance, consideration, and capacity to contract.