Truth in Lending Act (TILA): Federal law that requires lenders to provide standardized disclosures about credit and loan terms, protecting consumers in credit transactions including mortgage assignments
Real Estate Settlement Procedures Act (RESPA): Federal law governing real estate settlement processes, requiring disclosures about mortgage loans and prohibiting kickbacks in real estate settlements
Dodd-Frank Wall Street Reform: Comprehensive financial reform legislation that introduced new mortgage lending rules and created the Consumer Financial Protection Bureau
Fair Credit Reporting Act (FCRA): Federal law regulating the collection and use of consumer credit information, relevant for mortgage transactions and assignments
Equal Credit Opportunity Act (ECOA): Federal law prohibiting discrimination in credit transactions, including mortgage lending and assignments
State Recording Statutes: State-specific laws governing the recording of mortgage assignments and other real property documents in public records
State Real Property Laws: State-specific laws governing real estate transactions, property rights, and transfers
State Mortgage and Foreclosure Laws: State-specific regulations governing mortgage enforcement, assignments, and foreclosure procedures
State UCC Provisions: State-adopted versions of the Uniform Commercial Code governing secured transactions and negotiable instruments
CFPB Regulations: Federal regulations issued by the Consumer Financial Protection Bureau governing mortgage servicing, transfers, and consumer protection
FHA Requirements: Federal Housing Administration guidelines for mortgage assignments involving FHA-insured loans
GSE Guidelines: Requirements set by Fannie Mae and Freddie Mac for mortgage assignments involving loans owned or guaranteed by these entities
Securities Laws: Federal and state laws governing mortgage securitization and assignment of mortgages as part of security pools
Bankruptcy Laws: Federal laws affecting the treatment of mortgage assignments in bankruptcy proceedings
UCC Article 3: Uniform Commercial Code provisions governing negotiable instruments, including mortgage notes
UCC Article 9: Uniform Commercial Code provisions governing secured transactions and the assignment of security interests in mortgages
