Securities Act of 1933: Federal law focusing on primary market regulation, particularly Sections 4(a)(2) and Regulation D for private placements, requiring registration of securities offerings or qualifying for exemptions

Securities Exchange Act of 1934: Federal law governing secondary market trading and ongoing reporting requirements for securities

State Blue Sky Laws: State-specific securities regulations including registration requirements, exemptions, and usury laws governing interest rates

Uniform Commercial Code (UCC): State-adopted uniform law, particularly Articles 3 (Negotiable Instruments) and 9 (Secured Transactions), governing security interests and filing requirements

Federal Reserve Regulation Z: Implementation of the Truth in Lending Act, governing disclosure requirements and lending practices

Internal Revenue Code: Tax regulations including Section 1272 (Original Issue Discount), Section 385 (Debt vs. Equity), and conversion feature implications

Bankruptcy Code: Federal law governing creditor rights, priority rules, and automatic stay provisions affecting secured creditors

State Corporate Law: State-specific regulations regarding authorized shares, corporate authority to issue convertible securities, and fiduciary duties

Investment Company Act: Federal law imposing additional requirements if the lender could be deemed an investment company