Truth in Lending Act (TILA): Federal law requiring disclosure of credit terms and standardizing calculation methods for costs of credit to consumers

Dodd-Frank Wall Street Reform and Consumer Protection Act: Federal legislation that provides financial regulation and consumer protection, affecting how loans and credit instruments are handled

Federal Trade Commission Act: Federal law prohibiting unfair or deceptive practices in commerce, including lending and credit arrangements

Fair Debt Collection Practices Act: Federal law governing debt collection practices, relevant if the promissory note is later collected by a third party

State Usury Laws: State-specific regulations that set maximum legal interest rates and govern lending practices within the state

State-Specific Promissory Note Requirements: Individual state laws and regulations governing the format, content, and execution of promissory notes

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

State Disclosure Requirements: State-mandated disclosures that must be included in lending documents

UCC Article 3 - Negotiable Instruments: Uniform Commercial Code provisions governing negotiable instruments, including requirements for promissory notes

UCC Article 9 - Secured Transactions: Uniform Commercial Code provisions relevant for understanding secured vs. unsecured debt instruments

Statute of Frauds: Legal doctrine requiring certain contracts to be in writing and signed to be enforceable

Contract Law - Consideration: Legal principle requiring exchange of value for contract validity

Contract Law - Capacity: Legal requirement that parties must have legal capacity to enter into a contract

Contract Law - Mutual Assent: Legal principle requiring all parties to understand and agree to the contract terms

Contract Law - Legality of Purpose: Legal requirement that the contract's purpose must be lawful