Truth in Lending Act (TILA): Federal law requiring disclosure of credit terms and standardization of how costs associated with borrowing are calculated and disclosed

Real Estate Settlement Procedures Act (RESPA): Federal law governing real estate settlement processes, requiring specific disclosures about real estate transactions and prohibiting kickbacks

Fair Housing Act: Federal law prohibiting discrimination in real estate transactions based on race, color, religion, sex, national origin, familial status, or disability

Equal Credit Opportunity Act: Federal law ensuring equal access to credit and prohibiting discrimination in lending practices

Interstate Land Sales Full Disclosure Act: Federal law requiring developers to provide detailed information about their lots to potential buyers

Lead-Based Paint Hazard Reduction Act: Federal law requiring disclosure of known lead-based paint hazards in properties built before 1978

State Property Laws: State-specific laws governing property rights, ownership, and transfer requirements

State Real Estate Transfer Laws: State-specific regulations governing how property ownership is legally transferred

State Disclosure Requirements: State-mandated disclosures about property condition, defects, and other material facts

State Real Estate Licensing Laws: Regulations governing real estate professional licensing and conduct requirements

State Consumer Protection Laws: State laws protecting consumers in real estate transactions from unfair or deceptive practices

State Recording Statutes: Laws governing how property records must be officially recorded and maintained

Local Zoning Laws: Municipal regulations controlling property use and development

Municipal Building Codes: Local regulations setting standards for building construction and safety

Local Transfer Tax Requirements: Municipal or county taxes imposed on real estate transfers

Statute of Frauds: Legal requirement that real estate contracts must be in writing to be enforceable

Title Insurance Requirements: State and lender requirements for insurance protecting against property title defects

Environmental Regulations: Federal and state laws governing environmental hazards and required environmental disclosures

HOA Rules: Homeowners Association regulations affecting property use and transfer, if applicable

State-specific Closing Procedures: Required processes and procedures for completing real estate transactions in each state