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

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

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

Securities Act: Federal law that may apply if the debt instrument could be classified as a security, requiring registration and disclosure requirements

State Usury Laws: State-specific regulations that set maximum interest rates that can be charged on loans and debt instruments

State Deed Execution Requirements: State-specific rules governing how deeds must be executed, witnessed, and notarized to be legally valid

State Recording Requirements: State-specific rules for how and where debt instruments must be recorded with local authorities

State Statute of Limitations: State-specific time limits within which legal action must be taken to collect on a debt

UCC Article 3: Uniform Commercial Code provisions governing negotiable instruments and their transfer

UCC Article 9: Uniform Commercial Code provisions governing secured transactions when debt is secured by collateral

State Property Laws: Laws governing property descriptions, recording requirements, and notice requirements for property-related documents

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

Contract Law Principles: Fundamental legal principles including consideration, capacity, mutual assent, and legality of purpose required for valid contracts