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Equal Credit Opportunity Act (ECOA): Federal law that prohibits discrimination in lending based on race, color, religion, national origin, sex, marital status, age, or whether an applicant receives income from a public assistance program

Truth in Lending Act (TILA): Federal law requiring lenders to provide standardized information about credit terms and costs to borrowers

Fair Credit Reporting Act (FCRA): Federal law that regulates the collection and use of consumer credit information

Community Property Laws: State laws in nine states (AZ, CA, ID, LA, NV, NM, TX, WA, WI) that consider most property acquired during marriage to be owned equally by both spouses

Dower/Curtesy Rights: Traditional property rights that protect a surviving spouse's interest in the deceased spouse's real property

State Lending Regulations: Specific state laws governing lending practices, interest rates, and loan terms within each state's jurisdiction

Homestead Laws: State laws protecting a portion of a person's primary residence from creditors and requiring both spouses' consent for certain transactions

Property Ownership Rights: Laws governing how property can be owned, transferred, and encumbered, including joint tenancy and tenancy by the entirety provisions

Consumer Protection Laws: State and federal laws designed to protect consumers from unfair lending practices and ensure adequate disclosure of loan terms

Documentation Requirements: State-specific requirements for document execution, including notarization, witnessing, and recording requirements for certain transactions