Truth in Lending Act (TILA): Federal law requiring disclosure of credit terms and standardized calculation of finance charges and annual percentage rates.

Dodd-Frank Wall Street Reform and Consumer Protection Act: Federal legislation that imposes restrictions on seller financing and requires compliance with ability-to-repay rules for residential properties.

SAFE Act: Federal law establishing minimum standards for state licensing and registration of mortgage loan originators, which may affect seller financing arrangements.

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 Credit Reporting Act (FCRA): Federal law governing the collection, dissemination, and use of consumer credit information, relevant if credit checks are performed.

State Usury Laws: State-specific regulations that set maximum legal interest rates for financing arrangements.

State-Specific Seller Financing Restrictions: Individual state laws that may limit or regulate seller financing arrangements, including licensing requirements and transaction limits.

State Real Estate Laws: State-specific regulations governing real estate transactions, including required disclosures and documentation.

State Mortgage and Deed of Trust Laws: State-specific requirements for securing the financing through mortgages or deeds of trust.

State Consumer Protection Laws: State-specific regulations protecting consumers in financial transactions, including required disclosures and prohibited practices.

Local Recording Requirements: County or municipal requirements for recording seller financing documents and related fees.

Garn-St. Germain Act: Federal law affecting due-on-sale clauses and their enforcement in seller financing situations.

IRS Regulations: Federal tax regulations governing installment sales and reporting requirements for seller financing arrangements.