Truth in Lending Act (TILA) and Regulation Z: Federal law requiring accurate disclosure of loan terms and costs, and regulating advertising and solicitation practices in mortgage lending
Real Estate Settlement Procedures Act (RESPA) and Regulation X: Federal law governing real estate settlement processes, requiring specific disclosures about settlement services, and prohibiting kickbacks and referral fees
Equal Credit Opportunity Act (ECOA): Federal law prohibiting discrimination in lending and requiring fair treatment of all loan applicants
Fair Housing Act: Federal law prohibiting discrimination in housing-related transactions and mortgage lending
SAFE Act: Federal law establishing requirements for mortgage loan originator licensing and registration
Home Mortgage Disclosure Act (HMDA): Federal law mandating requirements for mortgage data collection and reporting by financial institutions
Dodd-Frank Wall Street Reform and Consumer Protection Act: Federal law implementing additional consumer protection requirements and ability-to-repay standards for mortgage lending
State Licensing Requirements: State-specific requirements for mortgage loan originators including registration and licensing standards that vary by jurisdiction
State Consumer Protection Laws: State-specific laws providing additional disclosure requirements and lending regulations for consumer protection
State Usury Laws: State-specific laws governing maximum interest rate limitations and fee restrictions in mortgage lending
State Documentation Requirements: State-specific requirements for forms, disclosures, and other documentation needed in mortgage loan origination
