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Truth in Lending Act (TILA): Federal law requiring clear disclosure of lending terms and costs to borrowers. Essential for ensuring transparency in business loan documentation.

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

Fair Credit Reporting Act (FCRA): Federal law regulating the collection, dissemination, and use of consumer credit information, which may be relevant if credit checks are part of the loan process.

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

UCC Article 3: Uniform Commercial Code Article 3 governing negotiable instruments, including promissory notes, providing rules for their creation, transfer, and enforcement.

State Usury Laws: State-specific laws that set maximum interest rates and regulate other lending terms. These vary by jurisdiction and must be complied with in the note.

Securities Act of 1933: Federal law that may apply if the promissory note could be considered a security, requiring potential registration or exemption.

State Blue Sky Laws: State-specific securities laws that may apply to the promissory note if it could be considered a security under state law.

SBA Requirements: Small Business Administration regulations that may apply if the loan is SBA-backed or if SBA guidelines are being followed.

State Documentation Requirements: State-specific requirements for note format, disclosures, recording, signatures, and notarization that must be followed for the note to be legally valid.

Fair Debt Collection Practices Act: Federal law governing debt collection practices that may become relevant if the note goes into default and collection efforts are needed.