Uniform Commercial Code (UCC) Article 8: Federal regulation governing securities transactions and transfers, including requirements for security interests and ownership rights
Real Estate Settlement Procedures Act (RESPA): Federal law requiring disclosure of real estate settlement processes and prohibiting kickbacks in real estate transactions
Truth in Lending Act (TILA): Federal law mandating disclosure of credit terms and standardizing calculation methods for credit costs
CFPB Regulations: Consumer Financial Protection Bureau regulations governing consumer financial products and services, including escrow practices
State Escrow Laws: State-specific regulations governing escrow operations, licensing requirements, and fiduciary responsibilities
State Real Estate Laws: State-specific laws governing real estate transactions, transfers, and settlement procedures
State Banking Regulations: State-specific rules governing banking operations and financial transactions, including escrow accounts
State Consumer Protection Laws: State-specific legislation protecting consumers in financial and real estate transactions
Escrow Agent Licensing Requirements: State-specific professional licensing and certification requirements for escrow agents and companies
ALTA Guidelines: American Land Title Association standards and best practices for title insurance and settlement services
State Bar Association Rules: Professional regulations governing attorneys' handling of escrow accounts and settlement services
Bank Secrecy Act: Federal law requiring financial institutions to assist government agencies in detecting and preventing money laundering
Anti-Money Laundering Regulations: Federal requirements for preventing, detecting, and reporting suspicious financial transactions
USA PATRIOT Act: Federal law including provisions for customer identification and verification in financial transactions
IRS Reporting Requirements: Federal tax reporting obligations related to real estate transactions and escrow disbursements
