Truth in Lending Act (TILA): Federal law that requires lenders to provide standardized disclosures about credit terms and costs. Critical for loan transfers and ensuring proper disclosure requirements are met.

Fair Credit Reporting Act (FCRA): Regulates the collection, dissemination, and use of consumer credit information. Important for due diligence and information sharing during loan sales.

Real Estate Settlement Procedures Act (RESPA): Federal law governing real estate settlement processes and disclosures for mortgage loans. Essential if the loan sale involves residential mortgage loans.

Equal Credit Opportunity Act (ECOA): Prohibits discrimination in credit transactions. Must ensure loan sale doesn't result in discriminatory practices or effects.

Fair Debt Collection Practices Act (FDCPA): Regulates debt collection practices. Relevant for ensuring compliance in the transfer of collection rights and responsibilities.

Gramm-Leach-Bliley Act: Requires financial institutions to explain their information-sharing practices and protect sensitive data. Critical for handling borrower information during loan transfers.

Dodd-Frank Act: Comprehensive financial reform legislation affecting various aspects of financial transactions, including loan sales and transfers.

Securities Act of 1933: Relevant if the loans are being securitized or if the loan sale could be deemed a securities transaction.

State Usury Laws: State-specific limitations on interest rates and loan charges. Must ensure compliance post-transfer.

UCC Article 3: Governs negotiable instruments and their transfer. Essential for documenting proper transfer of loan documentation.

UCC Article 9: Regulates secured transactions and the transfer of security interests. Critical for proper assignment of secured loans.

CFPB Regulations: Consumer Financial Protection Bureau rules governing consumer financial products, including their sale and transfer.

Bank Secrecy Act: Requires financial institutions to assist government agencies in detecting and preventing money laundering. Relevant for due diligence requirements.

State Licensing Requirements: State-specific requirements for entities purchasing or selling loans. May require specific licenses or registrations.

Data Privacy Requirements: Federal and state requirements for protecting consumer data during and after the loan sale process.