Truth in Lending Act (TILA): Federal law that requires lenders to provide standardized disclosures about credit terms and costs, protecting consumers in credit transactions including mortgages

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 practices based on race, color, religion, national origin, sex, marital status, age, or public assistance program participation

Fair Housing Act: Federal law prohibiting discrimination in housing-related transactions, including mortgage lending, based on protected characteristics

Home Mortgage Disclosure Act (HMDA): Federal law requiring financial institutions to maintain and annually disclose data about home purchases, home improvement, and refinance applications

State Property Laws: State-specific legislation governing real property rights, transfers, and interests within the respective state's jurisdiction

State Recording Statutes: State laws defining requirements for recording and indexing property records and establishing priority rules for recorded documents

State Foreclosure Laws: State-specific regulations governing the process of foreclosure, including notice requirements, redemption rights, and judicial vs. non-judicial procedures

State Homestead Laws: State laws providing certain protections for primary residences, including exemptions from creditors and special provisions for property transfers

State Community Property Laws: Laws in certain states defining marital property rights and affecting how property is owned, managed, and transferred by married couples

CFPB Regulations: Consumer Financial Protection Bureau rules implementing federal consumer financial laws and providing additional consumer protections in mortgage transactions

State Banking Regulations: State-specific rules governing banking operations and mortgage lending practices within the state

Uniform Commercial Code (UCC): Standardized set of laws governing commercial transactions, including secured transactions affecting real property

Trust Deed Statutes: State laws specifically governing the creation, enforcement, and priority of trust deeds as security instruments

Lien Priority Rules: Legal framework determining the order of priority among multiple liens or encumbrances on the same property