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Truth in Lending Act (TILA): Federal law that requires lenders to provide standardized disclosures about terms and costs associated with lending.

UCC Article 3: Uniform Commercial Code provisions governing negotiable instruments, including requirements for valid promissory notes and their transferability.

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

Dodd-Frank Act: Federal legislation that impacts lending practices and consumer protection in financial transactions.

State Usury Laws: State-specific regulations that set maximum legal interest rates and penalties for exceeding these limits.

State UCC Modifications: State-specific adaptations and modifications to the Uniform Commercial Code that may affect promissory note requirements.

Blue Sky Laws: State securities laws that regulate the offering and sale of securities, which may apply to certain promissory notes.

State Contract Laws: State-specific requirements for valid contract formation, enforcement, and remedies.

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

UCC ��3-104 Requirements: Specific requirements for an instrument to qualify as a negotiable instrument, including unconditional promise to pay.

Fair Debt Collection Practices Act: Federal law governing debt collection practices, which may apply if the note is later collected by third parties.

Bankruptcy Code: Federal laws affecting the treatment of promissory notes in bankruptcy proceedings and their potential discharge.

IRS Regulations: Tax implications and reporting requirements for discount promissory notes, including original issue discount rules.

State Registration Requirements: State-specific requirements for registering or filing promissory notes with state authorities.