UCC Article 3: Federal law governing negotiable instruments, which may be relevant if the debt involves promissory notes or other negotiable instruments

UCC Article 9: Federal law governing secured transactions, essential if the debt being novated involves any security interests or collateral

Fair Debt Collection Practices Act (FDCPA): Federal law that regulates the conduct of debt collectors and protects debtors from abusive practices

Truth in Lending Act (TILA): Federal law requiring disclosure of key terms and costs in lending agreements, which may need to be reflected in the novation

Federal Assignment of Claims Act: Federal law governing the assignment of claims against the United States government, if applicable to the debt

State Contract Laws: State-specific requirements for contract formation, execution, and enforcement, including any specific novation requirements

State Statute of Frauds: State law requirements for contracts to be in writing and properly executed to be enforceable

State Recording Requirements: State-specific rules about recording or filing requirements for certain types of debt transfers or novations

Common Law Novation Doctrine: Legal principles requiring extinction of old obligation and creation of new obligation, with consent of all parties

Contract Formation Elements: Common law requirements for valid contract formation including offer, acceptance, and consideration

Bankruptcy Code: Federal laws governing bankruptcy, including provisions about debt transfers and automatic stays

Fraudulent Transfer Rules: Laws preventing transfers made to hinder, delay, or defraud creditors

Securities Exchange Act: Federal law that may apply if the debt instruments qualify as securities

State Blue Sky Laws: State-specific securities laws that may apply to debt instruments qualifying as securities