Truth in Lending Act (TILA): Federal law requiring disclosure of credit terms and standardized calculation of financing costs in real estate transactions
Real Estate Settlement Procedures Act (RESPA): Federal law governing real estate settlement processes, requiring specific disclosures about mortgage settlement costs and prohibiting kickbacks
Fair Housing Act: Federal law prohibiting discrimination in real estate transactions based on race, color, religion, sex, nationality, disability, or familial status
Equal Credit Opportunity Act: Federal law ensuring equal access to credit and prohibiting discrimination in lending practices
Americans with Disabilities Act: Federal law requiring accessibility considerations in certain real estate transactions and properties
State Property Laws: State-specific regulations governing property rights, transfers, and ownership requirements
State Contract Laws: State-specific requirements for valid contracts, including real estate agreements
State Real Estate Licensing Laws: Regulations governing real estate professionals' qualifications and conduct in the transaction
State Disclosure Requirements: State-mandated disclosures about property condition, defects, and other material facts
State Recording Requirements: Rules for properly recording real estate documents with local authorities
Local Zoning Laws: Municipal regulations governing property use, restrictions, and development
Property Tax Regulations: Local and state rules regarding property taxation and assessment
Environmental Regulations: EPA and state environmental requirements affecting property use and transfer
Building Codes: Local and state construction and safety standards applicable to the property
Homeowners Association Rules: Private regulations affecting property use and maintenance in planned communities
