UCC Article 3: Uniform Commercial Code Article 3 on Negotiable Instruments - governs the creation, transfer and enforcement of negotiable instruments including promissory notes

UCC Article 1: Uniform Commercial Code Article 1 on General Provisions - provides basic definitions and principles applicable to all UCC transactions

Truth in Lending Act: Federal law requiring disclosure of credit terms and standardizing the manner in which costs associated with borrowing are calculated and disclosed

Fair Debt Collection Practices Act: Federal law that limits the behavior and actions of debt collectors who are attempting to collect debts on behalf of another person or entity

Consumer Credit Protection Act: Federal law providing a comprehensive framework for consumer credit rights and protections

State UCC Variations: State-specific modifications and implementations of the Uniform Commercial Code that may affect promissory note requirements

State Usury Laws: State-specific laws that regulate maximum interest rates and charges that can be applied to loans and promissory notes

State-Specific Requirements: Individual state laws and regulations specifically governing promissory notes and their execution

Statute of Limitations: State-specific time limits within which legal action must be taken to enforce a promissory note

Securities Act of 1933: Federal law that may apply if the promissory note could be classified as a security, requiring registration and disclosure

Blue Sky Laws: State securities laws that regulate the offering and sale of securities to protect investors from fraudulent activities