Truth in Lending Act (TILA): Federal law requiring disclosure of credit terms and standardizing the manner in which costs associated with borrowing are calculated and disclosed
Real Estate Settlement Procedures Act (RESPA): Federal law requiring lenders, mortgage brokers, and servicers to provide borrowers with disclosures regarding the real estate settlement process
Fair Housing Act: Federal law prohibiting discrimination in real estate transactions based on race, color, religion, sex, national origin, disability, or familial status
Interstate Land Sales Full Disclosure Act: Federal law protecting consumers from fraud and abuse in the sale of unimproved parcels of land
Lead-Based Paint Hazard Reduction Act: Federal law requiring disclosure of known information on lead-based paint and hazards before the sale of residential properties built before 1978
Foreign Investment in Real Property Tax Act (FIRPTA): Federal law imposing income tax obligations on foreign persons selling U.S. real estate
State Real Estate Laws: State-specific legislation governing real estate transactions, including contract requirements, disclosures, and property rights
State Property Codes: State-level regulations defining property rights, restrictions, and obligations specific to that jurisdiction
State Disclosure Requirements: State-mandated disclosures about property condition, defects, hazards, and other material facts
State Contract Laws: State-specific requirements for valid contracts, including necessary elements and enforcement provisions
State Recording Requirements: State regulations governing the recording of deeds, mortgages, and other real estate documents
State Environmental Regulations: State-specific environmental protection laws affecting real estate transactions and property use
Local Zoning Laws: Municipal regulations controlling land use, building specifications, and property development
Building Codes: Local regulations establishing minimum standards for construction, modifications, and building safety
Municipal Regulations: City or county-specific rules affecting property use, maintenance, and transfer
HOA Requirements: Homeowners Association rules and restrictions affecting property use and transfer, where applicable
Realtor Association Guidelines: Professional standards and practices established by state realtor associations
Statute of Frauds: State law requiring certain contracts, including real estate contracts, to be in writing to be enforceable
Deed Requirements: State-specific rules governing the form, content, and execution of property deeds
Title Insurance Requirements: State regulations regarding title insurance coverage and related disclosures in real estate transactions
Property Tax Regulations: State and local laws governing property tax assessment, collection, and transfers
Transfer Tax Requirements: State and local regulations regarding taxes imposed on the transfer of real property
