UCC Article 9: Federal Uniform Commercial Code Article 9 governing secured transactions, which provides rules for creation, perfection, and priority of security interests in personal property

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

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 UCC Variations: State-specific modifications and interpretations of the Uniform Commercial Code that may affect the assignment of security interests

State Usury Laws: State-specific laws regulating maximum interest rates and charges that can be applied to loans

State Assignment Regulations: State-specific rules governing the assignment and transfer of loan obligations and rights

State Contract Laws: General contract law principles as established by state statutes and case law that govern contract formation and enforcement

Novation Principles: Legal doctrine governing the substitution of a new contract for an existing one, with all parties agreeing to the replacement

Securities Act of 1933: Federal law governing the initial offering and sale of securities, which may apply if the loan assignment is considered a security

Securities Exchange Act of 1934: Federal law regulating secondary trading of securities and establishing the SEC, relevant if the loan participation is considered a security

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

Dodd-Frank Act: Comprehensive federal law reforming financial regulation, including provisions affecting loan assignments and consumer protection

Recording Requirements: State and local requirements for recording assignments of certain types of loans, particularly those secured by real property