Truth in Lending Act (TILA) and Regulation Z: Federal law that requires lenders to provide standardized disclosures about loan terms and costs, protecting consumers in credit transactions including mortgage loans
Real Estate Settlement Procedures Act (RESPA): Federal law governing real estate settlement processes, requiring disclosure of settlement costs and prohibiting kickbacks in real estate transactions
Fair Housing Act: Federal law prohibiting discrimination in housing transactions based on race, color, religion, sex, national origin, familial status, or disability
Equal Credit Opportunity Act: Federal law ensuring equal access to credit and prohibiting discrimination in credit transactions, including mortgage lending
Interstate Land Sales Full Disclosure Act: Federal law requiring developers to provide detailed information about their development projects to potential buyers
Lead-Based Paint Hazard Reduction Act: Federal law requiring disclosure of known lead-based paint hazards in properties built before 1978
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 requirements for transferring property ownership, including deed requirements and transfer taxes
State Disclosure Requirements: State-mandated disclosures about property condition, defects, and other material facts that must be provided to buyers
State Recording Requirements: State-specific rules for recording real estate documents with appropriate government offices
State-specific Real Estate Contract Laws: State laws governing the formation, execution, and enforcement of real estate contracts
State Consumer Protection Laws: State laws designed to protect consumers in real estate transactions from unfair or deceptive practices
Local Zoning Laws: Municipal or county regulations governing property use, building restrictions, and development requirements
HOA Requirements: Rules and regulations set by Homeowners Associations affecting property use, maintenance, and transfer
Title Insurance Requirements: State and lender requirements for title insurance to protect against property ownership disputes
Real Estate Agent Licensing Laws: State-specific requirements for real estate professional licensing and conduct
Mortgage and Financing Regulations: Federal and state laws governing mortgage lending, including qualification requirements and disclosure obligations
Environmental Regulations: Federal and state environmental protection laws affecting real estate transactions and property use
Building Codes and Permits: Local and state requirements for building safety, construction standards, and necessary permits
Property Tax Laws: State and local laws governing property tax assessment, collection, and obligations in real estate transfers
