Uniform Commercial Code (UCC): Particularly Article 4A which governs funds transfers between commercial entities. This uniform law provides the basic framework for commercial transactions across states.

Electronic Fund Transfer Act (EFTA): Federal law that provides a basic framework for establishing the rights, liabilities, and responsibilities of participants in electronic fund transfer (EFT) systems.

Bank Secrecy Act (BSA): Requires financial institutions to assist government agencies in detecting and preventing money laundering, including maintaining records and reporting suspicious activities.

USA PATRIOT Act: Includes provisions for strengthening anti-money laundering procedures and customer identification requirements in financial transactions.

Federal Reserve Regulation E: Implements the EFTA and establishes the basic rights, liabilities, and responsibilities of consumers who use electronic fund transfer services.

Federal Reserve Regulation J: Governs funds transfers through Fedwire and provides rules for collecting checks and other items by Federal Reserve Banks.

State UCC Variations: State-specific adoptions and modifications of the Uniform Commercial Code that may affect transfer services in different jurisdictions.

State Money Transmitter Laws: State-specific regulations governing money transmission services and licensing requirements for transfer service providers.

Gramm-Leach-Bliley Act (GLBA): Federal law requiring financial institutions to explain their information-sharing practices and protect sensitive customer data.

California Consumer Privacy Act (CCPA): Comprehensive state privacy law that may apply if the transfer service involves California residents' personal information.

CFPB Regulations: Consumer Financial Protection Bureau rules governing consumer financial products and services, including transfer services.

FinCEN Regulations: Financial Crimes Enforcement Network requirements for reporting and compliance in financial transactions to prevent money laundering.

OFAC Compliance Requirements: Office of Foreign Assets Control regulations requiring screening of transactions against sanctions lists and prohibited parties.

Federal Information Security Management Act: Provides framework for protecting government information, systems and assets against natural or man-made threats.

State Data Breach Notification Laws: State-specific requirements for notifying customers and authorities in the event of a data security breach affecting transfer services.