Truth in Lending Act (TILA): Federal law requiring disclosure of credit terms and standardizing the manner in which costs associated with borrowing are calculated and disclosed
Real Estate Settlement Procedures Act (RESPA): Federal law requiring lenders, mortgage brokers, and servicers to provide borrowers with pertinent and timely disclosures regarding the nature and costs of real estate settlement process
Fair Housing Act: Federal law prohibiting discrimination in the sale, rental, and financing of housing based on race, color, national origin, religion, sex, familial status, and disability
Interstate Land Sales Full Disclosure Act: Federal law protecting consumers from fraud and abuse in the sale or lease of land
Foreign Investment in Real Property Tax Act (FIRPTA): Federal law imposing income tax on foreign persons disposing of U.S. real property interests
State Property Laws: State-specific laws governing property rights, ownership, and transfer of real estate within the state jurisdiction
State Real Estate Transfer Laws: State-specific regulations governing the process and requirements for transferring real property ownership
State Disclosure Requirements: State-mandated disclosures about property condition, defects, hazards, and other material facts that must be provided to buyers
State Recording Statutes: Laws governing how deeds and other real estate documents must be recorded in public records
State Real Estate Licensing Laws: Regulations governing real estate professionals' licensing requirements and permitted activities
Local Zoning Ordinances: Municipal or county regulations controlling land use, building specifications, and property development
Building Codes: Local regulations establishing minimum standards for construction, modifications, and building safety
Local Transfer Tax Requirements: Municipal or county taxes imposed on real estate transfers and associated documentation requirements
Property Tax Regulations: Local laws governing property tax assessment, rates, and payment requirements
Statute of Frauds: Legal principle requiring real estate contracts to be in writing to be enforceable
Common Law Principles of Contract: Established legal principles governing contract formation, performance, and enforcement
Environmental Regulations: Federal, state, and local laws governing environmental protection, hazards, and required remediation
HOA Rules: Homeowners Association regulations affecting property use, maintenance, and transfer, if applicable
Title Requirements: Legal requirements for establishing and transferring clear title to real property
Deed Requirements: Legal requirements for properly executing and recording property deeds
