Truth in Lending Act (TILA) and Regulation Z: Federal law that requires lenders to provide standardized disclosures about loan terms and costs, ensuring transparency in lending transactions
Equal Credit Opportunity Act (ECOA): Federal law prohibiting discrimination in lending based on race, color, religion, national origin, sex, marital status, age, or receipt of public assistance
Fair Credit Reporting Act (FCRA): Federal law regulating the collection, dissemination, and use of consumer credit information
Bank Secrecy Act (BSA): Federal law requiring financial institutions to assist government agencies in detecting and preventing money laundering
Anti-Money Laundering (AML) Regulations: Regulatory framework designed to prevent conversion of illegally obtained funds into legitimate assets
Dodd-Frank Wall Street Reform: Comprehensive federal law reforming financial regulation, including consumer protection and systemic risk oversight
Securities Act of 1933: Federal law governing the registration and offering of securities, relevant if the loan involves securities components
Uniform Commercial Code (UCC) Article 9: State-adopted uniform law governing secured transactions and creation/perfection of security interests
State Usury Laws: State-specific laws setting maximum interest rates and regulating lending practices within the state
State Lending Regulations: State-specific rules governing lending practices, licensing requirements, and consumer protection
State Security Interest Laws: State-specific laws governing creation, perfection, and enforcement of security interests and liens
State Recording Requirements: State-specific rules for recording and filing loan documents and security interests
Environmental Regulations: Federal and state environmental laws affecting project development and lending, particularly for real estate projects
Industry-Specific Permits: Permits and licenses required for specific industries or project types
Zoning Laws: Local regulations governing land use and development for real estate projects
Internal Revenue Code: Federal tax laws affecting loan treatment, interest deductibility, and tax implications of the project
Bankruptcy Code: Federal laws governing bankruptcy proceedings and creditor rights in case of borrower default
ERISA: Federal law governing employee benefit plans, relevant if pension funds are involved in the financing
Foreign Investment Regulations: Federal and state laws governing foreign investment in U.S. projects and associated lending
Local Municipal Regulations: City and county-specific rules affecting project development and financing
