I hate to say this to you, but to do this correctly and not cause more problems than you are solving or preventing, there will almost certainly have to be legal counsel involved someway somehow. Because the freaking laws keep changing, vary from jurisdiciton to jurisdiction, yada, yada. I was very lucky to have a lawyer on retainer that I could talk to the one job I was in that I had to deal with updating (not creating whole cloth).

It's not your fault that you need something that costs money to do this right. There is a saying in Computer Science circles: Fast, Cheap, or Good: pick two. That is, if a solution's cheap and fast, it won't be good. If it's fast and good, it won't be cheap. If you pick cheap and good, it won't be fast. That saying applies to pretty much everything, IMO.