Truth in Lending Act (TILA): Federal law requiring transparent disclosure of credit terms and standardized calculation of borrowing costs. Essential for fee disclosure sections in loan consultant agreements.

Real Estate Settlement Procedures Act (RESPA): Federal law governing real estate settlement processes and prohibiting kickbacks. Critical for defining permissible fee structures and referral relationships.

Equal Credit Opportunity Act (ECOA): Federal law prohibiting discrimination in credit transactions. Must be considered in service provision and client acceptance policies.

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

Dodd-Frank Wall Street Reform: Comprehensive financial reform law affecting loan originator compensation and consulting practices. Sets standards for fee structures and disclosures.

SAFE Act: Federal law establishing minimum standards for mortgage loan originators, including licensing and registration requirements.

State Usury Laws: State-specific laws limiting maximum interest rates and fees that can be charged. Varies by jurisdiction.

State Licensing Requirements: State-specific regulations governing required licenses and permits for loan consultants and brokers.

State Consumer Protection Laws: State-specific laws protecting consumers from unfair practices in financial services. Must be reflected in agreement terms.

CFPB Regulations: Federal regulatory guidelines from the Consumer Financial Protection Bureau governing consumer financial products and services.

FTC Guidelines: Federal Trade Commission guidelines on fair business practices and consumer protection in financial services.

NAMB Standards: Professional standards set by the National Association of Mortgage Brokers for ethical conduct and best practices.