Truth in Lending Act (TILA) and Regulation Z: Federal law that requires lenders to provide standardized disclosures about credit terms and costs, including APR, finance charges, and payment schedules.

Real Estate Settlement Procedures Act (RESPA): Federal law governing real estate settlement processes, requiring specific disclosures and prohibiting certain practices in real estate transactions.

Home Ownership and Equity Protection Act (HOEPA): Federal law providing additional disclosure requirements and restrictions for high-cost mortgage loans.

Equal Credit Opportunity Act (ECOA): Federal law prohibiting discrimination in credit transactions based on race, color, religion, national origin, sex, marital status, age, or public assistance status.

Fair Housing Act: Federal law prohibiting discrimination in residential real estate transactions based on protected characteristics.

State Property Laws: State-specific regulations governing real property rights, transfers, and encumbrances within the particular jurisdiction.

State Foreclosure Laws: State-specific procedures and requirements for foreclosure processes, including notice requirements and borrower rights.

State Recording Requirements: State-specific rules for recording real estate documents, including format, content, and filing procedures.

State Usury Laws: State-specific limitations on interest rates and finance charges that can be charged on loans.

Uniform Commercial Code Article 9: Governs secured transactions, including creation, perfection, and priority of security interests in personal property.

Dodd-Frank Act: Federal law implementing comprehensive financial reform, including enhanced consumer protections in mortgage lending.

Bankruptcy Code Provisions: Federal laws governing creditor and debtor rights in bankruptcy, including automatic stay and secured creditor provisions.