Uniform Commercial Code (UCC): Primary framework governing negotiable instruments including Article 3 (Negotiable Instruments), Article 4 (Bank Deposits and Collections), and Article 9 (Secured Transactions). Forms the backbone of commercial paper law in the United States.

State-Specific Laws: Individual state variations of the UCC, including state usury laws governing maximum interest rates and state-specific statute of limitations for debt collection.

Truth in Lending Act (TILA): Federal law requiring disclosure of consumer credit terms and standardizing the manner in which costs associated with borrowing are calculated and disclosed.

Fair Debt Collection Practices Act (FDCPA): Federal law that limits the behavior and actions of debt collectors who are attempting to collect debts on behalf of another person or entity.

Federal Reserve Regulations: Federal banking regulations that may affect the terms, conditions, and enforcement of demand notes.

Securities Laws: Including Securities Act of 1933 and Securities Exchange Act of 1934, which may apply if the note could be considered a security under federal or state laws.

Internal Revenue Code: Tax provisions affecting the treatment of interest income and implications for both lender and borrower in demand note transactions.

Bankruptcy Law: Regulations governing how the demand note would be treated in bankruptcy proceedings, including priority of claims in case of default.