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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.

UCC Article 3 - Negotiable Instruments: Uniform Commercial Code provisions governing negotiable instruments, including promissory notes, their transfer, and enforcement.

UCC Article 1 - General Provisions: Fundamental principles and definitions that apply throughout the Uniform Commercial Code, including good faith and commercial reasonableness.

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

Fair Debt Collection Practices Act: Federal law regulating the conduct of debt collectors and protecting debtors from abusive collection practices.

State Usury Laws: State-specific regulations that set maximum interest rates and define usurious lending practices.

State Statutes of Limitations: Time limits set by state law for bringing legal action to enforce promissory notes and guarantees.

Statute of Frauds: Legal requirement that certain contracts, including guarantees, must be in writing and signed to be enforceable.

Securities Act of 1933: Federal law governing the offer and sale of securities, which may apply if the note is considered an investment instrument.

State Blue Sky Laws: State-specific securities regulations that govern the offer and sale of securities within each state.

State Consumer Protection Statutes: State-specific laws designed to protect consumers from unfair or deceptive business practices in lending.

Contract Formation Requirements: Legal elements necessary for valid contract formation including offer, acceptance, consideration, and capacity of parties.