UCC Article 4A: Uniform Commercial Code Article 4A governing funds transfers, which provides the legal framework for commercial wire transfers and other wholesale electronic payments

EFTA: Electronic Fund Transfer Act - Federal law providing a basic framework establishing the rights, liabilities, and responsibilities of participants in electronic fund transfer systems

Federal Reserve Regulation E: Implements the Electronic Fund Transfer Act and establishes the basic rights, liabilities, and responsibilities of consumers who use electronic fund transfer services

Bank Secrecy Act: Requires financial institutions to assist government agencies in detecting and preventing money laundering, including reporting requirements for certain transactions

USA PATRIOT Act: Contains anti-money laundering provisions that affect bank transfers, including customer identification requirements and enhanced due diligence procedures

Dodd-Frank Act: Wall Street Reform and Consumer Protection Act that implemented major changes to financial regulation, including new consumer protection measures and banking oversight

State Banking Laws: State-specific banking regulations and UCC modifications that may affect bank transfer guarantees within particular jurisdictions

SWIFT Regulations: Standards and protocols governing international bank transfers through the SWIFT network, if applicable to international transfers

ICC Rules: International Chamber of Commerce rules that may apply to international bank guarantees and transfers

OCC Regulations: Office of the Comptroller of the Currency regulations governing national banks and their banking operations

FDIC Requirements: Federal Deposit Insurance Corporation requirements affecting insured banks and their transfer operations

CFPB Regulations: Consumer Financial Protection Bureau regulations protecting consumers in financial transactions including bank transfers

Fair Credit Reporting Act: Federal law that regulates the collection and use of consumer credit information, which may be relevant if the transfer guarantee involves credit considerations