Truth in Lending Act (TILA): Federal law requiring lenders to provide standardized disclosures about loan terms and costs, particularly important in refinancing transactions
Real Estate Settlement Procedures Act (RESPA): Federal law governing real estate settlement processes, requiring specific disclosures and prohibiting certain practices in real estate transactions
Home Ownership and Equity Protection Act (HOEPA): Federal law providing additional disclosure requirements and protections for high-cost mortgage loans
Equal Credit Opportunity Act (ECOA): Federal law prohibiting discrimination in lending based on race, color, religion, national origin, sex, marital status, age, or receipt of public assistance
Fair Housing Act: Federal law prohibiting discrimination in housing-related transactions, including mortgage lending
State Property Laws: State-specific laws governing real property rights, transfers, and encumbrances
State Recording Requirements: State-specific rules for recording real estate documents, including format, content, and filing procedures
State Foreclosure Laws: State-specific regulations governing the foreclosure process and borrower rights
State Usury Laws: State-specific limitations on interest rates and loan charges
State Homestead Rights: State-specific protections for homeowners regarding property rights and creditor claims
Dodd-Frank Act Requirements: Federal regulations implementing reforms in the financial industry, including mortgage lending practices
CFPB Regulations: Consumer Financial Protection Bureau rules governing consumer financial products, including mortgage loans
State Banking Regulations: State-specific rules governing banking and lending practices
Title Insurance Requirements: State-specific requirements for title insurance coverage and policies
Local Recording Office Requirements: County or local jurisdiction-specific requirements for document recording
Lien Satisfaction Requirements: Requirements for properly satisfying and releasing existing liens during refinancing
Priority of Liens: Legal principles governing the order of priority among multiple liens on a property
Subordination Agreements: Requirements for agreements that modify the priority of liens when necessary for refinancing
