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Truth in Lending Act (TILA): Federal law that requires lenders to provide standardized disclosures about credit terms and costs. Essential for consumer credit transactions and protecting borrower rights.

Dodd-Frank Wall Street Reform and Consumer Protection Act: Federal legislation that established enhanced consumer protection standards in financial transactions, including lending practices and documentation requirements.

Federal Trade Commission Act: Federal law that prohibits unfair or deceptive practices in commerce, including lending and financial transactions.

Securities Act of 1933: Federal law that may apply if the promissory note could be classified as a security, requiring specific registration and disclosure requirements.

UCC Article 3 - Negotiable Instruments: State-adopted uniform law governing negotiable instruments, including promissory notes, establishing requirements for creation, enforcement, and transfer.

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

State Lending Regulations: State-specific rules governing lending practices, documentation requirements, and consumer protections specific to that jurisdiction.

State Contract Laws: General contract law principles and requirements specific to each state that govern formation and enforcement of contractual agreements.

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

Statute of Limitations: State-specific time limits for bringing legal action to enforce a promissory note after default.

Bankruptcy Laws: Federal laws that may affect the collectibility and enforcement of the promissory note if the borrower files for bankruptcy protection.