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

Real Estate Settlement Procedures Act (RESPA): Federal law governing real estate settlement processes, requiring specific disclosures and prohibiting certain practices in real estate transactions.

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

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

Dodd-Frank Act: Comprehensive financial reform legislation affecting lending practices, consumer protection, and financial institution oversight.

State Usury Laws: State-specific regulations governing maximum interest rates and loan charges that lenders can legally assess.

Uniform Commercial Code Article 9: Governs secured transactions and provides framework for creation, perfection, and enforcement of security interests in personal property.

Building and Construction Regulations: Local and state requirements governing construction standards, permits, and compliance with building codes.

Mechanics' Lien Laws: State laws protecting contractors' and suppliers' rights to payment by placing a lien on the improved property.

Federal Bankruptcy Code: Federal laws governing bankruptcy proceedings that may affect loan enforcement and collection rights.

Environmental Regulations: Federal and state requirements governing environmental compliance and liability in construction projects.

Consumer Financial Protection Bureau (CFPB) Regulations: Federal regulations implementing consumer protection laws and establishing standards for consumer financial products.

State Banking Regulations: State-specific rules governing banking operations, lending practices, and financial institution oversight.

Recording Requirements: State and local requirements for recording and perfecting security interests in real property and construction loans.

COVID-19 Related Regulations: Temporary or permanent regulations enacted in response to the pandemic affecting construction lending and loan modifications.