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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

Fair Debt Collection Practices Act (FDCPA): Federal law that limits the behavior and actions of debt collectors who are attempting to collect debts on behalf of another person or entity

UCC Article 3: Uniform Commercial Code Article governing negotiable instruments, including promissory notes, providing rules for their creation, transfer, and enforcement

Regulation Z: Federal Reserve Board regulation implementing TILA, providing specific rules for credit disclosures and consumer protections

State Usury Laws: State-specific laws that set maximum legal interest rates and penalties for exceeding these rates

State Promissory Note Requirements: State-specific formal requirements for creating valid promissory notes, including format and content specifications

State Statute of Limitations: State laws defining the time period within which legal action must be taken to collect on the promissory note

State Disclosure Requirements: State-specific rules about what information must be disclosed to the borrower in the promissory note

Securities Laws: Federal and state laws governing whether a promissory note might be classified as a security, requiring additional regulations and disclosures

Bankruptcy Laws: Federal laws affecting the treatment and enforceability of promissory notes in bankruptcy proceedings

Contract Formation Requirements: Basic legal requirements for valid contract formation including consideration, capacity, and mutual assent

Statute of Frauds: Legal requirement that certain contracts, including promissory notes, must be in writing and signed to be enforceable

Written Format Requirements: Specific requirements for the physical format and presentation of the promissory note document

Signature Requirements: Rules governing how the promissory note must be signed, including electronic signature provisions if applicable

Notarization Requirements: State-specific rules about whether and when promissory notes must be notarized to be legally valid