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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, ensuring transparency in credit transactions

Regulation Z: Federal Reserve regulation that implements TILA, providing specific rules for credit terms disclosure and consumer rights in lending

Dodd-Frank Act: Federal legislation that provides framework for financial regulation and consumer protection in lending practices

State Usury Laws: State-specific regulations that set maximum legal interest rates and regulate lending terms within the state jurisdiction

Uniform Commercial Code Article 3: State-adopted uniform laws governing negotiable instruments, including promissory notes, providing rules for creation, transfer, and enforcement

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

Statute of Limitations: Time limit within which legal action must be taken to enforce the promissory note, varying by state

Security Interest Laws: Laws governing how collateral can be used to secure the note, including creation and perfection of security interests

Bankruptcy Laws: Federal laws affecting the treatment and enforceability of promissory notes in bankruptcy proceedings

Collection Laws: State and federal laws governing debt collection practices and procedures for enforcing promissory notes

Fair Credit Reporting Act: Federal law regulating the collection, dissemination, and use of consumer credit information, relevant if the note involves consumer credit reporting

State Commercial Codes: State-specific variations and implementations of commercial laws affecting promissory notes and lending practices