Uniform Commercial Code (UCC): Article 3 covers Negotiable Instruments and Article 9 covers Secured Transactions, providing fundamental rules for promissory notes and secured debts

State-specific Contract Laws: Including Statute of Frauds requirements and state-specific requirements for promissory notes that vary by jurisdiction

Truth in Lending Act (TILA): Federal law requiring disclosure of key terms and costs in consumer credit transactions

Fair Debt Collection Practices Act (FDCPA): Federal law governing debt collection practices and protecting debtors from abusive collection methods

State Usury Laws: State-specific regulations governing maximum permissible interest rates and required interest rate disclosures

Statute of Limitations: State-specific time limits for debt collection and requirements for written acknowledgment of debt

Bankruptcy Code: Federal laws affecting the enforceability of debt agreements in bankruptcy proceedings

Consumer Protection Laws: State-specific regulations and disclosure requirements designed to protect consumer interests in financial transactions