RESPA: Real Estate Settlement Procedures Act - Federal law governing real estate transactions and settlement processes

Fair Housing Act: Federal law prohibiting discrimination in real estate transactions based on race, color, religion, sex, national origin, familial status, or disability

Americans with Disabilities Act: Federal law ensuring equal access and accommodation for individuals with disabilities in real estate services

Truth in Lending Act: Federal law requiring disclosure of credit terms and standardizing the manner in which costs associated with borrowing are calculated and disclosed

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

State Real Estate Commission Regulations: State-specific rules and regulations governing real estate practices, licensing, and professional conduct within the state

State Licensing Requirements: Specific requirements and qualifications needed to obtain and maintain a real estate license in the state

State Disclosure Requirements: State-mandated disclosures that must be made during real estate transactions

Fair Labor Standards Act: Federal law establishing standards for wages, overtime pay, and employment relationships

IRS Independent Contractor Guidelines: Federal tax guidelines defining and governing independent contractor relationships and tax obligations

Gramm-Leach-Bliley Act: Federal law requiring financial institutions to explain their information-sharing practices and protect sensitive data

NAR Code of Ethics: Professional standards and ethical guidelines established by the National Association of REALTORSยฎ

E&O Insurance Requirements: Professional liability insurance requirements protecting against claims of inadequate work or negligent actions

Sherman Antitrust Act: Federal law prohibiting certain business activities that reduce competition and require businesses to compete fairly

Clayton Act: Federal law supplementing the Sherman Act, addressing specific practices not explicitly covered by the Sherman Act