UCC Article 5: Uniform Commercial Code Article 5 governs Letters of Credit transactions in the United States, providing the primary legal framework for letter of credit operations

TILA and Regulation Z: Truth in Lending Act and its implementing Regulation Z require disclosure of credit terms and standardize the manner in which costs associated with borrowing are calculated and disclosed

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

FCRA: Fair Credit Reporting Act regulates the collection, dissemination, and use of consumer credit information in credit decisions

BSA: Bank Secrecy Act requires financial institutions to assist government agencies in detecting and preventing money laundering

USA PATRIOT Act: Provides guidelines for anti-money laundering compliance and customer identification procedures in financial transactions

UCP 600: Uniform Customs and Practice for Documentary Credits 600 provides international standard rules for documentary credits and letters of credit

ISP98: International Standby Practices 98 provides comprehensive rules for standby letters of credit in international transactions

State Banking Regulations: Individual state-specific banking laws and regulations that govern banking operations and lending practices within each state

State Usury Laws: State-specific laws that regulate maximum interest rates and charges that can be applied to loans

Federal Reserve Regulations: Guidelines and requirements set by the Federal Reserve Board governing banking practices and monetary policy

OCC Guidelines: Office of the Comptroller of the Currency guidelines for national banks and federal savings associations regarding lending practices

Basel III Requirements: International regulatory framework for banks that sets requirements for capital adequacy, stress testing, and market liquidity risk