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

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 in certain cases

SAFE Act: Federal law establishing minimum standards for state licensing and registration of mortgage loan originators

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

Fair Housing Act: Federal law prohibiting discrimination in real estate transactions based on protected classes

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

State Mortgage Requirements: State-specific rules governing the creation, recording, and enforcement of mortgages and deeds of trust

State Real Estate Financing Regulations: State-level rules governing seller financing arrangements and associated licensing requirements

State Consumer Protection Laws: State-specific regulations protecting consumers in financial transactions including real estate financing

State Licensing Requirements: State-specific rules determining when seller financing requires special licensing or exemptions

Recording Requirements: State and local rules governing how real estate documents must be recorded in public records

IRS Regulations: Federal tax rules governing the treatment of seller-financed transactions including installment sales reporting requirements

State Disclosure Requirements: State-mandated disclosures that must be provided in seller financing arrangements

Foreclosure Laws: State-specific procedures and requirements for foreclosure in case of default on seller-financed transactions

Promissory Note Requirements: State-specific rules governing the format and content of promissory notes in real estate transactions