Truth in Lending Act (TILA): Federal law that requires lenders to provide standardized disclosures about terms and costs associated with mortgage lending
Real Estate Settlement Procedures Act (RESPA): Federal law governing real estate settlement processes, requiring disclosure of settlement costs and prohibiting kickbacks
Equal Credit Opportunity Act (ECOA): Federal law prohibiting discrimination in lending based on race, color, religion, national origin, sex, marital status, age, or public assistance participation
Fair Housing Act: Federal law prohibiting discrimination in residential real estate transactions, including mortgage lending
Home Mortgage Disclosure Act (HMDA): Federal law requiring financial institutions to maintain and annually disclose data about home purchases, home improvement, and refinance applications
State Property Laws: Varies by state - governs property rights, transfers, and recording requirements specific to each state's jurisdiction
State Mortgage Regulations: State-specific rules governing mortgage lending, including licensing requirements and consumer protections
Dodd-Frank Act: Federal law establishing enhanced consumer protections in the financial sector, including mortgage lending practices
CFPB Regulations: Federal regulatory framework established by the Consumer Financial Protection Bureau for consumer financial products, including mortgages
Local Recording Requirements: County-specific rules for recording mortgage documents and ensuring proper documentation of property transactions
Title Company Requirements: Standards set by title insurance companies for ensuring clear title and proper documentation in mortgage transactions
Lender-Specific Requirements: Individual lending institution policies and requirements for mortgage consent documentation
HOA Requirements: When applicable, specific rules set by Homeowners Associations affecting property transactions and mortgages
