Truth in Lending Act (TILA) and Regulation Z: Federal law that requires lenders to provide standardized disclosures about loan terms and costs to promote informed borrowing decisions
Equal Credit Opportunity Act (ECOA): Federal law prohibiting discrimination in lending practices based on race, color, religion, national origin, sex, marital status, age, or receipt of public assistance
Securities Acts (1933 & 1934): Federal laws governing the issuance and trading of securities, relevant if the project financing involves securities offerings
Bank Secrecy Act: Federal law requiring financial institutions to assist government agencies in detecting and preventing money laundering
Foreign Corrupt Practices Act (FCPA): Federal law prohibiting the payment of bribes to foreign officials to assist in obtaining or retaining business
Dodd-Frank Act: Comprehensive financial reform legislation affecting lending practices, risk management, and consumer protection
National Environmental Policy Act (NEPA): Federal law requiring environmental impact assessments for projects with significant environmental effects
Clean Air Act: Federal law regulating air emissions and requiring permits for certain types of projects
Clean Water Act: Federal law governing water pollution and requiring permits for discharges into water bodies
Uniform Commercial Code (UCC): State-adopted uniform law governing commercial transactions, particularly Article 9 on secured transactions
U.S. Bankruptcy Code: Federal law governing bankruptcy proceedings and creditor rights in case of borrower insolvency
Internal Revenue Code: Federal tax laws affecting project finance structures, including tax equity arrangements and deductions
State Usury Laws: State-specific laws limiting maximum interest rates and loan charges
Fair Labor Standards Act: Federal law establishing minimum wage, overtime pay, and other employment standards
Davis-Bacon Act: Federal law requiring payment of prevailing wages on public works projects
State Construction Lien Laws: State-specific laws governing mechanics' liens and other construction-related security interests
Federal Reserve Regulations: Banking regulations affecting lending practices, capital requirements, and risk management
State Environmental Regulations: State-specific environmental requirements that may be more stringent than federal standards
State Corporate Laws: State-specific laws governing business entities, including formation, operation, and dissolution
State Insurance Regulations: State-specific requirements for insurance coverage and terms in project finance transactions
