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Truth in Lending Act (TILA): Federal law that requires lenders to provide standardized disclosures about credit terms and costs, ensuring transparency in lending transactions.

Fair Debt Collection Practices Act (FDCPA): Federal legislation governing debt collection practices, protecting borrowers from abusive collection methods.

Dodd-Frank Act: Comprehensive financial reform legislation that includes provisions affecting lending practices and consumer protection in financial transactions.

Consumer Credit Protection Act: Federal law providing a comprehensive framework for consumer credit rights and lender obligations.

State Usury Laws: State-specific regulations that set maximum legal interest rates and terms for lending transactions.

State Promissory Note Requirements: State-specific rules governing the format, content, and execution of promissory notes.

State Consumer Protection Laws: State-level regulations protecting consumers in financial transactions and lending agreements.

State Security Interest Laws: State regulations governing how security interests are created, perfected, and enforced.

UCC Article 3: Uniform Commercial Code provisions governing negotiable instruments, including promissory notes.

UCC Article 9: Uniform Commercial Code provisions governing secured transactions and security interests in personal property.

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

State Recording Requirements: State-specific rules for recording secured promissory notes, particularly when secured by real property.

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

Bankruptcy Laws: Federal and state bankruptcy provisions that may affect the enforcement of promissory notes.

Tax Regulations: Federal and state tax implications and requirements related to promissory notes and lending transactions.