UCC Article 3: Federal Uniform Commercial Code Article 3 governing negotiable instruments, which provides the basic legal framework for promissory notes, including requirements for negotiability, transfer rights, and enforcement

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

Federal Consumer Credit Protection Act: Comprehensive federal law that protects consumers in credit transactions, including provisions for fair credit reporting and debt collection

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

State UCC Variations: State-specific adoptions and modifications to the Uniform Commercial Code that may affect the formation and enforcement of promissory notes

State Usury Laws: State-specific laws that set maximum interest rates and regulate other lending terms to protect borrowers from excessive charges

State Consumer Protection Laws: State-specific laws designed to protect consumers from unfair practices in credit and lending transactions

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

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

State Blue Sky Laws: State-specific securities laws that regulate the offering and sale of securities, which may apply to certain promissory notes

IRS Regulations: Federal tax regulations governing the treatment of interest income and other tax implications of promissory notes