Truth in Lending Act (TILA) and Regulation Z: Federal law requiring accurate disclosure of loan terms and costs, and governing consumer rights in credit transactions

Real Estate Settlement Procedures Act (RESPA): Federal law regulating real estate settlement processes and requiring specific disclosures about mortgage servicing and escrow accounts

Equal Credit Opportunity Act (ECOA): Federal law prohibiting discrimination in lending and ensuring fair access to credit

Fair Credit Reporting Act (FCRA): Federal law governing the use of credit reports in lending decisions and providing consumer protections regarding credit information

Dodd-Frank Wall Street Reform and Consumer Protection Act: Federal law establishing additional consumer protections and creating ability-to-repay requirements for lenders

State Usury Laws: State-specific laws regulating maximum interest rates and loan charges that can be assessed on refinance agreements

State Mortgage and Lending Regulations: State-specific rules governing mortgage lending and refinancing practices within the particular state's jurisdiction

State Recording Requirements: State-specific requirements for recording mortgage and refinancing documents with local authorities

State Disclosure Requirements: State-specific rules about what information must be disclosed to borrowers during the refinancing process

Uniform Commercial Code (UCC): Standardized set of business laws regulating financial contracts and transactions across all states

Federal Reserve Board Regulations: Banking regulations that affect lending practices and financial institution operations in refinancing transactions

Consumer Financial Protection Bureau (CFPB) Guidelines: Federal agency guidelines providing additional consumer protections and requirements for mortgage refinancing

Securities Laws: Federal and state laws governing the securitization of mortgage loans, applicable if the refinanced loan will be securitized