Truth in Lending Act (TILA): Federal law requiring disclosure of credit terms and standardized calculations to help consumers compare lending institutions' terms
Real Estate Settlement Procedures Act (RESPA): Federal law requiring lenders to provide disclosures about real estate settlement costs and prohibiting kickbacks
Home Ownership and Equity Protection Act (HOEPA): Federal law addressing predatory lending practices in home equity lending
Fair Housing Act: Federal law prohibiting discrimination in residential real estate transactions based on protected characteristics
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 status
SAFE Act: Federal law establishing minimum standards for state licensing and registration of mortgage loan originators
Dodd-Frank Act: Comprehensive financial reform law including mortgage lending regulations and consumer protection provisions
State Mortgage Laws: State-specific regulations governing mortgage lending, including licensing requirements and disclosure rules
State Foreclosure Laws: State-specific procedures and requirements for foreclosure processes
State Usury Laws: State-specific limitations on interest rates and loan charges
CFPB Regulations: Federal consumer protection rules and guidelines for mortgage lending and servicing
FHA Requirements: Specific requirements for Federal Housing Administration-insured mortgages
VA Requirements: Specific requirements for Department of Veterans Affairs-guaranteed mortgages
GSE Requirements: Standards set by Fannie Mae and Freddie Mac for conforming mortgages
Uniform Commercial Code: Standardized state laws governing commercial transactions, including secured transactions
State Contract Laws: General state-specific requirements for valid contract formation and enforcement
Consumer Protection Laws: Federal and state laws protecting consumers from unfair or deceptive practices in lending
Anti-Predatory Lending Laws: Federal and state laws preventing abusive lending practices and protecting vulnerable borrowers
