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

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

Fair Credit Reporting Act (FCRA): Federal law regulating the collection, dissemination, and use of consumer credit information, ensuring fairness and accuracy in credit reporting.

UCC Article 3 - Negotiable Instruments: Uniform state law governing negotiable instruments, including promissory notes, establishing requirements for creation, transfer, and enforcement.

Dodd-Frank Act: Federal law implementing comprehensive financial reform, including consumer protection measures and regulatory oversight of financial products.

State Usury Laws: State-specific laws setting maximum interest rates that can be charged on loans and credit agreements.

State Promissory Note Requirements: State-specific rules governing the form, content, and execution of promissory notes within that jurisdiction.

State Contract Laws: State-specific laws governing contract formation, enforcement, and remedies applicable to promissory notes.

State Consumer Protection Laws: State-specific regulations protecting consumers from unfair or deceptive practices in credit transactions.

State Statute of Limitations: State-specific time limits for bringing legal action to enforce a promissory note or collect a debt.

Securities Regulations: Federal and state laws governing when a promissory note might be considered a security, requiring additional compliance measures.

Bankruptcy Laws: Federal laws affecting the treatment and enforceability of promissory notes in bankruptcy proceedings.

Fair Debt Collection Practices Act: Federal law regulating the conduct of debt collectors and protecting consumers from abusive collection practices.

State Recording Requirements: State-specific rules for recording promissory notes, particularly when secured by real property.