Truth in Lending Act (TILA): Federal law requiring disclosure of consumer 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 processes.
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.
Equal Credit Opportunity Act: Federal law prohibiting credit discrimination on the basis of race, color, religion, national origin, sex, marital status, age, or because someone receives public assistance.
Interstate Land Sales Full Disclosure Act: Federal law protecting consumers from fraud and abuse in the sale or lease of land, requiring developers to disclose detailed information to prospective buyers.
Lead-Based Paint Hazard Reduction Act: Federal law requiring disclosure of known information on lead-based paint and hazards before the sale of homes built before 1978.
State Property Laws: State-specific laws governing property rights, ownership, transfer, and related regulations that vary by jurisdiction.
State Real Estate Transfer Laws: State-specific requirements and procedures for transferring real property ownership, including deed requirements and transfer taxes.
State Disclosure Requirements: State-mandated disclosures about property condition, defects, and other material facts that sellers must provide to buyers.
State Consumer Protection Laws: State-specific laws designed to protect consumers in real estate transactions from unfair or deceptive practices.
State Recording Requirements: State-specific rules for recording real estate documents with appropriate government offices to establish public record of ownership.
State Real Estate Licensing Laws: State-specific requirements for real estate professionals involved in the transaction, including licensing and conduct requirements.
Municipal Zoning Laws: Local regulations governing property use, building specifications, and development restrictions in specific areas.
Local Building Codes: Municipal or county-specific construction and safety standards that properties must meet.
Local Property Transfer Requirements: City or county-specific rules and procedures for transferring property ownership, including local fees and inspections.
Local Tax Regulations: Municipal or county-specific tax rules affecting property transfers, including transfer taxes and property tax assessments.
Statute of Frauds: Legal requirement that real estate contracts must be in writing to be enforceable.
Environmental Regulations: Federal, state, and local environmental protection laws affecting property use, transfer, and disclosure requirements.
HOA Rules: Homeowners Association regulations and restrictions that may affect property use and transfer, if applicable.
Title Insurance Requirements: State and lender-specific requirements for title insurance to protect against property ownership disputes.
State Escrow Requirements: State-specific rules governing the handling of funds and documents during real estate transactions through escrow accounts.
