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

Consumer Credit Protection Act: Federal legislation that protects consumers in credit transactions, including regulations on credit reporting, debt collection, and lending practices.

Federal Trade Commission Regulations: Federal regulations governing fair trade practices, including consumer protection in mobile home sales and financing.

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

Fair Credit Reporting Act: Federal law regulating the collection, dissemination, and use of consumer credit information.

State Usury Laws: State-specific regulations that set maximum interest rates and terms for loans, varying by jurisdiction.

State Mobile Home Regulations: State-specific laws governing manufactured housing, including titling, registration, and consumer protection measures.

UCC Article 9: Uniform Commercial Code section governing secured transactions, including mobile homes when treated as personal property.

UCC Article 3: Uniform Commercial Code section governing negotiable instruments, including promissory notes.

HUD Manufacturing Standards: National Manufactured Housing Construction and Safety Standards Act requirements for mobile home construction and safety.

HUD Title I Program: Federal program requirements for manufactured home loans insured by the Federal Housing Administration.

State Recording Requirements: State-specific rules for recording mobile home titles, liens, and security interests.

Local Zoning Regulations: Local laws governing mobile home placement, park regulations, and land use requirements.

State Foreclosure Laws: State-specific procedures and requirements for foreclosure and repossession of mobile homes.