Bank Secrecy Act (BSA): Federal law requiring financial institutions to assist government agencies in detecting and preventing money laundering. Key consideration for remittance documentation.

USA PATRIOT Act: Federal legislation that strengthens BSA requirements and adds additional due diligence requirements for financial transactions, including remittances.

Anti-Money Laundering (AML) regulations: Federal regulations requiring financial institutions to maintain programs to detect and prevent money laundering through remittances and other financial transactions.

Electronic Fund Transfer Act (EFTA): Federal law governing electronic fund transfers, providing a framework for rights, liabilities, and responsibilities of participants in electronic fund transfer systems.

UCC Article 4A: Uniform Commercial Code Article governing wholesale wire transfers between businesses and financial institutions.

State Money Transmitter Laws: State-specific regulations governing money transmission services, varying by jurisdiction.

State Banking Regulations: State-level banking laws and regulations that may affect remittance processing and documentation requirements.

FinCEN Requirements: Financial Crimes Enforcement Network guidelines for transaction reporting and record-keeping in financial transfers.

OFAC Compliance: Office of Foreign Assets Control requirements ensuring transactions don't involve sanctioned entities or countries.

CFPB Guidelines: Consumer Financial Protection Bureau rules protecting consumers in financial transactions, including remittance transfers.

SWIFT Regulations: International standards and protocols for secure financial messaging and cross-border transfers.

KYC Requirements: Know Your Customer protocols requiring verification of client identity and legitimacy of financial transactions.

Record-Keeping Obligations: Legal requirements for maintaining transaction records, typically for 5-7 years depending on jurisdiction.

Transaction Reporting Thresholds: Mandatory reporting requirements for transactions exceeding certain dollar amounts, typically $10,000 for currency transaction reports.