Truth in Lending Act (TILA) and Regulation Z: Federal law requiring disclosure of key terms and costs in lending, including specific format requirements for certain disclosures
Real Estate Settlement Procedures Act (RESPA) and Regulation X: Federal law governing real estate settlement processes and requiring specific disclosures about settlement services
Home Ownership and Equity Protection Act (HOEPA): Federal law mandating additional disclosure requirements for high-cost mortgages and restrictions on certain loan terms
Equal Credit Opportunity Act (ECOA): Federal law prohibiting discrimination in lending and affecting how terms can be presented and enforced
Fair Housing Act: Federal law prohibiting discrimination in housing-related transactions and impacting lending practices and terms
State Property Laws: State-specific laws governing recording requirements, property rights, and transfer regulations
State Foreclosure Laws: State-specific laws determining judicial vs. non-judicial foreclosure processes and redemption rights
State Consumer Protection Laws: State-specific laws mandating additional disclosure requirements and interest rate restrictions
State Documentation Requirements: State-specific requirements for notarization, recording formats, and other documentation needs
State Homestead Laws: State-specific laws governing property protection provisions and spouse consent requirements
Dodd-Frank Wall Street Reform Act: Federal law establishing comprehensive financial reform and additional consumer protection measures in mortgage lending
CFPB Guidelines: Regulatory guidelines from the Consumer Financial Protection Bureau governing mortgage lending practices and consumer protection
FHA Requirements: Federal Housing Administration specific requirements applicable to FHA-insured mortgages
VA Requirements: Department of Veterans Affairs specific requirements applicable to VA-guaranteed mortgages
