Truth in Lending Act (TILA): Federal law requiring disclosure of credit terms and standardized calculation of APR in owner-financed transactions.

Real Estate Settlement Procedures Act (RESPA): Federal law governing real estate settlement processes and requiring specific disclosures for real estate transactions.

Dodd-Frank Act: Federal regulation imposing restrictions on seller financing and requiring compliance with ability-to-repay rules.

SAFE Act: Federal law requiring mortgage loan originator licensing, which may affect seller-financing arrangements.

Equal Credit Opportunity Act: Federal law prohibiting discrimination in credit transactions, including seller-financing arrangements.

Fair Housing Act: Federal law prohibiting discrimination in real estate transactions based on protected classes.

State Real Estate Laws: State-specific regulations governing real estate transactions, including contract requirements and disclosures.

State Usury Laws: State regulations setting maximum allowable interest rates for owner-financed transactions.

State Recording Requirements: State-specific rules for recording real estate documents and securing interests in property.

State Foreclosure Laws: State regulations governing the foreclosure process and borrower rights in default situations.

Local Zoning Laws: Municipal regulations affecting property use and development restrictions.

Property Tax Regulations: Local rules governing property tax assessment, collection, and allocation between parties.

Title Insurance Requirements: Requirements for ensuring clear title and protecting parties' interests in the property.

Due-on-Sale Provisions: Considerations regarding existing mortgages and their impact on owner financing arrangements.