Truth in Lending Act (TILA): Federal law requiring transparent disclosure of credit terms and costs to protect consumers in credit transactions, including seller financing arrangements

Dodd-Frank Wall Street Reform: Federal regulation imposing restrictions on seller financing and requiring compliance with ability-to-repay rules, with some exemptions for small-scale sellers

SAFE Act: Federal law establishing minimum standards for state licensing of mortgage loan originators, which may apply to certain seller financing arrangements

Real Estate Settlement Procedures Act: Federal law requiring disclosure of real estate settlement costs and prohibiting kickbacks in real estate transactions

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

Fair Housing Act: Federal law prohibiting discrimination in real estate transactions, including seller financing, based on protected characteristics

State Real Estate Laws: State-specific regulations governing real estate transactions, including requirements for contracts, disclosures, and property transfers

State Contract Laws: General contract principles and requirements specific to each state that govern the formation and enforcement of contracts

State Usury Laws: State-specific regulations setting maximum interest rates and terms for financing arrangements

State Foreclosure Laws: State-specific procedures and requirements for handling defaults and foreclosure proceedings in contract for deed arrangements

State Recording Requirements: State and local requirements for recording real estate documents and contracts in public records

Local Zoning Ordinances: Municipal and county regulations affecting property use and development that must be disclosed in the contract

Property Tax Regulations: Local and state rules governing property tax assessment, payment, and allocation between parties in a contract for deed

Title Insurance Requirements: State and lender requirements for title insurance coverage and handling of title issues in seller financing arrangements

Transfer Tax Requirements: State and local taxes imposed on the transfer of real property interests, including contracts for deed

Consumer Protection Regulations: State and federal requirements for consumer disclosures, cooling-off periods, and remedies in seller financing transactions