Truth in Lending Act (TILA): Federal law requiring disclosure of credit terms and standardizing how costs associated with borrowing are calculated and disclosed
Real Estate Settlement Procedures Act (RESPA): Federal law requiring lenders to provide borrowers with disclosures about real estate transactions and settlement services
Fair Housing Act: Federal law prohibiting discrimination in housing transactions based on race, color, religion, sex, national origin, familial status, or disability
Equal Credit Opportunity Act: Federal law ensuring equal access to credit and prohibiting discrimination in lending practices
Home Mortgage Disclosure Act: Federal law requiring financial institutions to maintain and disclose data about home purchases, refinancing and mortgage applications
SAFE Act: Federal law establishing minimum standards for state licensing and registration of mortgage loan originators
State Property Laws: State-specific regulations governing real property rights, transfers, and obligations
State Landlord-Tenant Laws: State-specific laws governing the rights and responsibilities of landlords and tenants in rental properties
State Mortgage Regulations: State-specific rules governing mortgage lending, foreclosure procedures, and borrower protections
State Consumer Protection Laws: State-specific regulations protecting consumers in financial and real estate transactions
State Recording Requirements: State-specific rules for recording and notarizing real estate documents and mortgages
Local Zoning Ordinances: Municipal regulations governing property use, development, and restrictions
HOA Regulations: Rules and restrictions imposed by Homeowners Associations on properties within their jurisdiction
Tax Laws: Federal and state tax regulations affecting mortgage interest deductions and real estate transactions
Bankruptcy Laws: Federal and state regulations governing the treatment of mortgages and leases in bankruptcy proceedings
CFPB Guidelines: Consumer Financial Protection Bureau regulations and guidance for mortgage lending and servicing
UCC Provisions: Uniform Commercial Code regulations pertaining to secured transactions and property rights
