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Truth in Lending Act (TILA): Federal law that requires lenders to provide standardized disclosures about terms and costs of consumer credit

Fair Debt Collection Practices Act (FDCPA): Federal law that prohibits debt collectors from using abusive, unfair, or deceptive practices to collect debts

UCC Article 3 - Negotiable Instruments: Uniform state law governing negotiable instruments including promissory notes, establishing requirements for creation, transfer, and enforcement

State Usury Laws: State-specific laws that set maximum legal interest rates and penalties for exceeding these rates

State Statute of Limitations: State-specific time limits within which legal action must be taken to enforce the promissory note

Securities Act of 1933: Federal law that may apply if the promissory note is considered a security, requiring registration or exemption

Blue Sky Laws: State securities laws that regulate the offering and sale of securities to protect investors from fraudulent activities

Internal Revenue Code: Federal tax regulations governing the treatment of interest income and debt instruments

Statute of Frauds: Legal requirement that certain contracts, including those involving significant monetary value, must be in writing to be enforceable

Contract Formation Requirements: Basic legal elements necessary for valid contract formation including consideration, capacity, and mutual assent