Uniform Commercial Code (UCC): Key articles include Article 3 (Negotiable Instruments), Article 4 (Bank Deposits and Collections), and Article 9 (Secured Transactions). These govern commercial transactions and payment collection processes.

E-SIGN Act: Federal law that ensures the legal validity of electronic signatures and records in commercial transactions, relevant for digital authorization letters.

Fair Debt Collection Practices Act (FDCPA): Federal law that regulates debt collection practices and must be considered if the payment collection involves debt collection activities.

Bank Secrecy Act (BSA): Federal law requiring reporting of cash transactions over $10,000 and maintaining certain records for financial transactions.

State Authorization Requirements: State-specific laws and regulations governing authorization letters, agency relationships, and power of attorney requirements.

Corporate Authority Regulations: Corporate bylaws, state corporate laws regarding delegation of authority, and corporate resolution requirements for authorizing payment collection.

Internal Revenue Code: Tax implications and reporting requirements for payment collection activities on behalf of a company.

Anti-Money Laundering (AML) Regulations: Include Know Your Customer (KYC) requirements and suspicious activity reporting obligations for financial transactions.