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 lending based on race, color, religion, national origin, sex, marital status, age, or source of income

Fair Credit Reporting Act (FCRA): Federal law regulating the collection, dissemination, and use of consumer credit information

Dodd-Frank Act: Comprehensive financial reform legislation that established the CFPB and implemented various consumer protection measures in lending

Federal Reserve Regulation Z: Implementation regulation for TILA, providing specific requirements for disclosures and practices in consumer credit transactions

State Usury Laws: State-specific laws that set maximum interest rates and regulate other loan charges that lenders can legally charge borrowers

UCC Article 3: Uniform Commercial Code article governing negotiable instruments, including promissory notes, their creation, transfer, and enforcement

UCC Article 9: Uniform Commercial Code article governing secured transactions, applicable if the promissory note is secured by collateral

Statute of Frauds: Legal requirement that certain contracts, including promissory notes, must be in writing and signed to be enforceable

State Recording Requirements: State-specific rules for recording and filing requirements, particularly relevant if the note is secured by real property

Bankruptcy Laws: Federal and state laws affecting the treatment of promissory notes in bankruptcy proceedings and creditor rights

IRS Regulations: Tax regulations governing the treatment of interest income, original issue discount, and other tax implications of promissory notes