Truth in Lending Act (TILA): Federal law requiring clear disclosure of lending terms and costs to protect consumers in credit transactions

Dodd-Frank Act: Federal legislation that reformed financial regulation and consumer protection in response to the 2008 financial crisis, affecting lending practices

Fair Credit Reporting Act: Federal law governing the collection and use of consumer credit information in lending decisions

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

Federal Reserve Regulation Z: Implements TILA and provides specific rules for disclosing lending terms and calculating interest rates

State Usury Laws: State-specific regulations that set maximum legal interest rates and penalties for exceeding these limits

UCC Article 3: Uniform Commercial Code article governing negotiable instruments, including promissory notes, their form, and transferability

UCC Article 9: Uniform Commercial Code article governing secured transactions, relevant if the promissory note is secured by collateral

Statute of Limitations: State-specific time limits for bringing legal action to collect on a promissory note

Statute of Frauds: Legal requirement that certain contracts, including promissory notes, must be in writing to be enforceable

Internal Revenue Code: Federal tax laws governing the treatment and reporting of interest income from promissory notes