Truth in Lending Act (TILA) and Regulation Z: Federal law requiring disclosure of key terms and costs in consumer credit transactions, including specific format requirements for disclosure statements
Real Estate Settlement Procedures Act (RESPA): Federal law governing real estate settlement processes and requiring specific disclosures about mortgage servicing and escrow practices
Home Ownership and Equity Protection Act (HOEPA): Federal law providing additional disclosure requirements for high-cost mortgages and restrictions on certain lending practices
Equal Credit Opportunity Act (ECOA): Federal law prohibiting discrimination in lending and requiring fair lending practices
State Property Laws: State-specific laws governing recording requirements, foreclosure procedures, and priority of liens
State Consumer Protection Laws: State-specific laws covering additional disclosure requirements, interest rate restrictions, and prepayment penalty limitations
State-Specific Mortgage Regulations: State-level requirements covering licensing, specific form requirements, and recording fees and taxes
Uniform Commercial Code (UCC): Standard commercial code adopted by states covering secured transactions provisions and priority rules
Local Recording Requirements: County-specific recording rules and documentation standards for mortgage registration
Bankruptcy Code: Federal laws governing the impact on mortgage priority and treatment of mortgages in bankruptcy proceedings
