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Truth in Lending Act (TILA): Federal law requiring disclosure of credit terms and standardizing how costs associated with borrowing are calculated and disclosed

Equal Credit Opportunity Act (ECOA): Federal law that prohibits credit discrimination on the basis of race, color, religion, national origin, sex, marital status, age, or whether receiving public assistance

Fair Credit Reporting Act (FCRA): Federal law that regulates the collection, dissemination, and use of consumer credit information

Dodd-Frank Act: Comprehensive financial reform legislation that includes provisions affecting lending practices and consumer protection

Federal Reserve Regulation Z: Implements the Truth in Lending Act and provides specific guidelines for credit terms disclosure

State Usury Laws: State-specific laws that set maximum interest rates and define usurious lending practices

State Lending Regulations: State-specific rules governing lending practices, licensing requirements, and consumer protection

State Securities Laws: State-level regulations governing when a loan note might be considered a security (Blue Sky Laws)

UCC Article 3: Uniform Commercial Code provisions governing negotiable instruments, including promissory notes

UCC Article 9: Uniform Commercial Code provisions governing secured transactions when the loan is secured by collateral

Internal Revenue Code: Federal tax provisions regarding the treatment of interest income and debt instruments

IRS Below-Market Loan Regulations: Special tax rules applying to loans with interest rates below the applicable federal rate

Consumer Lending Laws: Specific regulations applying to loans made to consumers, including disclosure requirements and consumer protections

Small Business Lending Regulations: Specific rules governing loans made to small businesses, including SBA requirements if applicable

Securities Regulations: Federal and state regulations that may apply if the loan note could be considered a security or is intended to be traded