Truth in Lending Act (TILA): Federal law requiring clear disclosure of lending terms and costs to protect consumers in credit transactions, including mortgage loans
Real Estate Settlement Procedures Act (RESPA): Federal law governing real estate settlement processes, requiring disclosure of settlement costs and prohibiting kickbacks in real estate transactions
Home Ownership and Equity Protection Act (HOEPA): Federal law providing additional disclosure requirements and restrictions for high-cost mortgage loans to prevent predatory lending
Equal Credit Opportunity Act (ECOA): Federal law prohibiting discrimination in credit transactions based on race, color, religion, national origin, sex, marital status, age, or public assistance status
Fair Housing Act: Federal law prohibiting discrimination in residential real estate transactions, including mortgage lending
Dodd-Frank Wall Street Reform Act: Federal law establishing additional mortgage lending regulations and consumer protections in response to the 2008 financial crisis
State Property Laws: State-specific laws governing real property rights, transfers, and encumbrances
State Mortgage and Foreclosure Laws: State-specific regulations governing mortgage creation, enforcement, and foreclosure procedures
State Recording Requirements: State-specific rules for recording mortgage documents and other real estate instruments in public records
State Consumer Protection Laws: State-specific regulations protecting consumers in financial transactions, including mortgage lending
State Usury Laws: State-specific limitations on interest rates and loan charges that can be assessed on mortgage loans
Uniform Commercial Code (UCC): Standardized state laws governing commercial transactions, including secured transactions affecting mortgage agreements
State Documentation Requirements: State-specific rules regarding required forms, contents, and execution of mortgage documents
Local Recording Office Requirements: County or municipal-specific requirements for document format, content, and recording procedures
Homestead Laws: State-specific protections for primary residences against certain creditors and requirements for spouse consent
Community Property Laws: Special property ownership rules in certain states affecting spousal rights in mortgage transactions
