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Truth in Lending Act (TILA): Federal law requiring disclosure of credit terms and standardizing the manner in which costs associated with borrowing are calculated and disclosed

Real Estate Settlement Procedures Act (RESPA): Federal law that provides homebuyers and sellers with improved disclosures of settlement costs and eliminates kickbacks and referral fees

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

Interstate Land Sales Full Disclosure Act: Federal law protecting consumers from fraud and abuse in the sale of land and requiring detailed disclosures from developers

Foreign Investment in Real Property Tax Act (FIRPTA): Federal law imposing income tax on foreign persons disposing of U.S. real property interests

State Property Laws: State-specific laws governing real property ownership, transfer, and rights within the state's jurisdiction

State Real Estate Transfer Laws: State-specific requirements for transferring real property, including documentary stamps and transfer taxes

State Disclosure Requirements: State-mandated disclosures about property condition, defects, and other material facts that must be provided to buyers

State Recording Statutes: Laws governing how and when property documents must be recorded in the public records

State Contract Laws: State-specific requirements for valid contracts, including necessary elements and enforcement provisions

Local Zoning Laws: Municipal regulations controlling land use, building specifications, and property development

HOA Rules: Homeowners Association regulations affecting property use, maintenance, and transfer requirements

Property Tax Regulations: Local and state laws governing property tax assessment, collection, and proration during sale

Building Codes and Permits: Local regulations governing construction standards and required permits for property modifications

Environmental Regulations: Federal and state laws concerning environmental hazards, wetlands, and protected species that may affect property use

Title Requirements: Legal requirements for establishing clear title and necessary title insurance coverage

Deed Restrictions: Recorded limitations on property use that run with the land and bind future owners

Easements and Encumbrances: Rights or claims against the property that may affect its use or value

Identification of Parties: Legal requirements for properly identifying and verifying all parties to the transaction

Purchase Price and Payment Terms: Specifications for stating the purchase price, payment method, and any financing arrangements

Closing Date: Requirements for specifying the date of closing and transfer of possession

Property Condition Disclosures: Required disclosures about the physical condition of the property and known defects

Contingencies: Conditions that must be met before the contract becomes binding, such as financing approval or satisfactory inspections

Default and Remedies: Legal provisions specifying what constitutes default and available remedies for both parties

Closing Costs Allocation: Specifications for how various closing costs and fees will be divided between buyer and seller