Truth in Lending Act (TILA): Federal law that requires clear disclosure of lending terms and costs to protect consumers in credit transactions, including home purchases.

Real Estate Settlement Procedures Act (RESPA): Federal law that requires lenders, real estate agents, and settlement agents to provide detailed disclosures about real estate transactions and prohibits kickbacks.

Equal Credit Opportunity Act (ECOA): Federal law that prohibits discrimination in credit transactions based on race, color, religion, national origin, sex, marital status, age, or public assistance status.

Fair Housing Act: Federal law that prohibits discrimination in residential real estate transactions, including the financing of housing.

Bank Secrecy Act (BSA): Federal law requiring financial institutions to assist government agencies in detecting and preventing money laundering in real estate transactions.

State Banking Regulations: State-specific laws governing banking operations, including requirements for issuing bank guarantees and handling real estate transactions.

State Real Estate Laws: State-specific regulations governing real estate transactions, including requirements for deposits, escrow accounts, and property transfers.

State Consumer Protection Laws: State-specific laws designed to protect consumers in financial transactions, including real estate purchases and banking services.

State Contract Laws: State-specific laws governing the formation, execution, and enforcement of contracts, including bank guarantees and real estate agreements.

Federal Reserve Board Regulations: Regulations issued by the Federal Reserve that govern banking practices and financial instruments, including bank guarantees.

FDIC Requirements: Rules and regulations set by the Federal Deposit Insurance Corporation for banking operations and customer protection.

CFPB Guidelines: Consumer Financial Protection Bureau guidelines for consumer financial products and services, including real estate financing.

OCC Regulations: Office of the Comptroller of the Currency regulations governing national banks and their operations, including issuance of guarantees.

UCC Article 5: Uniform Commercial Code Article 5 governing letters of credit and similar instruments, which may apply to bank guarantees.

Anti-Money Laundering Regulations: Federal and state regulations requiring financial institutions to verify customer identity and monitor transactions for suspicious activity.