Truth in Lending Act (TILA): Federal law requiring lenders to provide standardized disclosures about credit terms and costs, ensuring consumers can compare different lending options.

Real Estate Settlement Procedures Act (RESPA): Federal law requiring lenders to provide borrowers with disclosures about real estate settlement costs and prohibiting kickbacks in real estate transactions.

Equal Credit Opportunity Act (ECOA): Federal law prohibiting discrimination in lending based on race, color, religion, national origin, sex, marital status, age, or receipt of public assistance.

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

Dodd-Frank Wall Street Reform Act: Comprehensive financial reform legislation that created the CFPB and established new financial regulations following the 2008 financial crisis.

State Usury Laws: State-specific laws that set maximum interest rates that lenders can charge on loans, varying by jurisdiction.

State Lending Regulations: State-specific rules governing lending practices, licensing requirements, and operational procedures for lenders.

State Consumer Protection Laws: State-specific laws designed to protect consumers from unfair or deceptive lending practices and ensure fair treatment.

CFPB Guidelines: Regulatory guidelines issued by the Consumer Financial Protection Bureau governing consumer lending practices and disclosure requirements.

Federal Reserve Board Regulations: Rules and regulations issued by the Federal Reserve that govern banking practices and lending operations.

Uniform Commercial Code (UCC): Standardized set of business laws regulating financial contracts and transactions, including secured transactions under Article 9.

E-SIGN Act: Federal law ensuring the legal validity of electronic signatures and records in commercial transactions, including loan documents.

State Recording Requirements: State-specific rules governing how and where loan documents must be recorded and filed with local authorities.