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RESPA: Real Estate Settlement Procedures Act - Federal law that requires disclosure of real estate settlement costs and prohibits kickbacks and referral fees in real estate transactions

TILA: 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

ECOA: Equal Credit Opportunity Act - Prohibits discrimination in lending based on race, color, religion, national origin, sex, marital status, age, or whether applicant receives public assistance

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

Dodd-Frank Act: Comprehensive financial reform legislation that established the CFPB and implemented new mortgage lending rules and consumer protections

SAFE Act: Secure and Fair Enforcement for Mortgage Licensing Act - Establishes minimum standards for state licensing and registration of mortgage loan originators

State Licensing Requirements: State-specific requirements for mortgage broker licensing, including education, testing, and registration through NMLS

State Real Estate Laws: State-specific regulations governing real estate and mortgage broker operations, including disclosure requirements and business practices

State Usury Laws: State-specific limitations on interest rates and loan charges that can be assessed on commercial mortgages

CFPB Regulations: Consumer Financial Protection Bureau regulations governing mortgage brokers and ensuring consumer protection in financial transactions

FTC Requirements: Federal Trade Commission rules governing unfair or deceptive practices in mortgage broker business operations

NMLS Requirements: National Multistate Licensing System requirements for registration, licensing, and reporting of mortgage broker activities

NAMB Guidelines: National Association of Mortgage Brokers professional standards and best practices for commercial mortgage brokers

AML Regulations: Anti-money laundering regulations requiring due diligence and reporting of suspicious activities in real estate transactions

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

ESIGN Act: Electronic Signatures in Global and National Commerce Act - Provides legal framework for electronic signatures and records in commercial transactions