Truth in Lending Act (TILA) and Regulation Z: Federal regulation requiring disclosure of credit terms and governing consumer credit transactions in construction loans
Real Estate Settlement Procedures Act (RESPA): Federal law governing real estate settlement processes and requiring specific disclosures about loan terms
Equal Credit Opportunity Act (ECOA): Federal law prohibiting discrimination in lending practices and ensuring fair access to credit
Fair Housing Act: Federal legislation preventing discrimination in real estate transactions, including construction financing
State Usury Laws: State-specific regulations governing maximum interest rates and fee limitations for construction loans
State Construction Lien Laws: State-level regulations governing mechanics' liens and material supplier rights in construction projects
State-Specific Lending Requirements: State-level regulations including licensing requirements and mandatory disclosures for construction lending
Federal Reserve Board Regulations: Banking regulations affecting construction loan terms, conditions, and lending practices
FDIC Requirements: Federal deposit insurance regulations impacting construction loan administration and bank practices
Bank Secrecy Act: Federal regulation requiring compliance with anti-money laundering and reporting requirements in construction lending
Building Codes: Local and state regulations governing construction standards and requirements that affect loan disbursement conditions
Zoning Laws: Local regulations determining permissible construction activities and land use that impact loan approval
Environmental Regulations: Federal and state environmental protection requirements affecting construction projects and related financing
Contractor Licensing Requirements: State and local regulations governing contractor qualifications and licensing that affect loan disbursement conditions
