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

Consumer Credit Protection Act: Federal law that protects consumers in their dealings with lenders and creditors, including requirements for disclosure of credit terms

Dodd-Frank Act: Federal legislation that brought significant changes to financial regulation, including enhanced consumer protection measures in lending

Fair Credit Reporting Act: Federal law governing the collection, dissemination, and use of consumer credit information

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

State Usury Laws: State-specific laws that set maximum interest rates that can be charged on loans and determine what constitutes usurious practices

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

Statute of Frauds: Legal requirement that certain contracts, including promissory notes, must be in writing and signed to be enforceable

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

RESPA: Real Estate Settlement Procedures Act - Federal law governing real estate transactions, including requirements for disclosure of settlement costs

State Recording Requirements: State-specific rules governing how and where promissory notes must be recorded, particularly when secured by real property

State Foreclosure Laws: State-specific regulations governing the process of foreclosure when a promissory note is secured by real property