Truth in Lending Act (TILA): Federal law that requires lenders to provide standardized disclosures about terms and costs associated with mortgage lending, including specific requirements during the foreclosure process

Real Estate Settlement Procedures Act (RESPA): Federal law governing real estate transactions, including requirements for servicers to provide certain notices and follow specific procedures before initiating foreclosure

Fair Debt Collection Practices Act (FDCPA): Federal law regulating debt collection practices, including requirements for communications with borrowers during foreclosure proceedings

Dodd-Frank Act: Federal legislation that introduced comprehensive financial reforms, including enhanced consumer protections in mortgage servicing and foreclosure processes

CFPB Regulations: Federal regulations implemented by the Consumer Financial Protection Bureau that specify requirements for mortgage servicing and foreclosure procedures

State Foreclosure Laws: State-specific legislation governing foreclosure processes, including notice requirements, timing, and procedural requirements that vary by jurisdiction

Notice Period Requirements: State-mandated timeframes for providing notice to borrowers before initiating foreclosure, which vary by jurisdiction

State-Mandated Language: Specific statutory language required by state law to be included in foreclosure notices

Borrower Rights and Protections: State-specific provisions detailing borrower's rights during foreclosure, including right to cure, mediation, and loss mitigation options

Service Requirements: Legal requirements for proper service of foreclosure notices, including acceptable methods of delivery and proof of service

Loss Mitigation Requirements: Federal and state requirements to offer and evaluate borrowers for alternatives to foreclosure before proceeding

Servicemembers Civil Relief Act (SCRA): Federal law providing special protections to active military service members during the foreclosure process

Local Recording Requirements: County-specific requirements for recording foreclosure notices and related documents

Judicial vs. Non-Judicial Requirements: Different procedural requirements based on whether the state follows a judicial or non-judicial foreclosure process

HOA/Condo Association Requirements: Additional notice and procedural requirements when the property is subject to homeowners or condominium association governance

Bankruptcy Stay Provisions: Legal requirements regarding the automatic stay in bankruptcy and its effect on foreclosure proceedings