Truth in Lending Act (TILA): Federal law requiring clear disclosure of lending terms and standardized calculation of interest rates and costs of borrowing

Dodd-Frank Act: Federal legislation governing financial regulation and consumer protection in financial transactions

Federal Consumer Credit Protection Act: Comprehensive federal law protecting consumers in credit transactions and establishing rights for borrowers

UCC Article 3: Uniform Commercial Code Article governing negotiable instruments, including promissory notes, their creation, transfer, and enforcement

Regulation Z: Federal Reserve regulation implementing TILA, providing specific rules for consumer credit disclosures

State Usury Laws: State-specific laws setting maximum legal interest rates and defining usurious lending practices

State Commercial Codes: State-level regulations governing commercial transactions, including lending and credit agreements

State Consumer Protection Laws: State-specific legislation protecting consumers from unfair lending practices and establishing disclosure requirements

Securities Laws: Federal and state laws governing instruments that might be classified as securities, including certain types of notes

Fair Debt Collection Practices Act: Federal law regulating debt collection practices and protecting borrowers from abusive collection methods

Equal Credit Opportunity Act: Federal law prohibiting discrimination in lending based on race, color, religion, national origin, sex, marital status, or age

Bankruptcy Code: Federal laws governing bankruptcy proceedings and affecting the enforceability of promissory notes in bankruptcy situations