Truth in Lending Act (TILA): Federal law requiring disclosure of credit terms and standardizing calculation and disclosure of interest rates and costs.

Real Estate Settlement Procedures Act (RESPA): Federal law requiring lenders to provide borrowers with disclosures about real estate settlement costs and prohibiting kickbacks.

Home Ownership and Equity Protection Act (HOEPA): Federal law providing additional disclosure requirements and restrictions for high-cost mortgage loans.

Dodd-Frank Wall Street Reform: Comprehensive financial reform legislation affecting mortgage lending practices and creating additional consumer protections.

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

State Property Laws: State-specific regulations governing real property rights, transfers, and recording requirements.

State Foreclosure Laws: State-specific procedures and requirements for foreclosure processes and borrower protections.

State Recording Requirements: State-specific rules for recording and filing trust deeds and related documents with county recorders.

State Trust Laws: State-specific regulations governing the creation, administration, and enforcement of trusts.

State Usury Laws: State-specific limitations on interest rates and loan charges that can be imposed on borrowers.

UCC Article 3: Uniform Commercial Code provisions governing negotiable instruments and promissory notes.

UCC Article 9: Uniform Commercial Code provisions governing secured transactions and security interests in property.

Internal Revenue Code: Federal tax provisions affecting trust deed transactions and related tax implications.

State Tax Regulations: State-specific tax implications and requirements for trust deed transactions.

Consumer Protection Laws: State and federal regulations designed to protect consumers in financial transactions.

Banking Regulations: Federal and state banking laws governing lending institutions and loan servicing requirements.

CFPB Regulations: Consumer Financial Protection Bureau rules governing mortgage lending and servicing practices.