Uniform Commercial Code (UCC): Key articles including Article 9 (Secured Transactions), Article 3 (Negotiable Instruments), and Article 2 (Sales) that govern commercial transactions and transfers

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

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

Equal Credit Opportunity Act (ECOA): Federal law prohibiting discrimination in credit transactions based on various protected characteristics

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

State Usury Laws: State-specific regulations governing maximum interest rates and related charges that can be applied to loans

Securities Laws: Including Securities Act of 1933, Securities Exchange Act of 1934, and state Blue Sky laws, applicable if the loan assignment could be considered a security

Dodd-Frank Act: Wall Street Reform and Consumer Protection Act affecting financial institutions and their operations, including loan assignments

Bank Secrecy Act: Federal law requiring financial institutions to assist government agencies in detecting and preventing money laundering

Common Law Principles: Fundamental legal principles including contract law, assignability restrictions, notice requirements, and consideration requirements

State Contract Laws: State-specific regulations governing contract formation, enforcement, and interpretation

Privacy and Data Protection Laws: Regulations governing the handling and protection of personal and financial information during loan assignments