Truth in Lending Act (TILA): Federal law that requires lenders to provide standardized disclosures about terms and costs associated with lending.

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

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

Dodd-Frank Act: Federal law providing additional consumer protections in financial transactions and lending practices.

State Usury Laws: State-specific laws that set maximum legal interest rates and regulate lending practices within the state.

State Promissory Note Requirements: State-specific legal requirements for the form, content, and execution of promissory notes.

State Statute of Limitations: State-specific time limits for bringing legal action to enforce a promissory note or collect a debt.

State Renewal Requirements: State-specific rules governing the renewal and modification of existing promissory notes.

Statute of Frauds: Legal doctrine requiring certain contracts, including promissory notes, to be in writing and signed to be enforceable.

Contract Formation Elements: Basic legal requirements for valid contract formation including offer, acceptance, and consideration.

Legal Capacity Requirements: Laws governing the legal capacity of parties to enter into binding contracts, including age and mental competency requirements.

Documentation Requirements: Specific requirements for documenting the renewal note, including reference to original note, terms, interest rates, payment schedule, and default provisions.