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Federal Reserve Act: Primary federal law governing banking institutions and operations in the United States, establishing framework for bank guarantees and financial instruments.

Bank Secrecy Act (BSA): Federal law requiring financial institutions to assist government agencies in detecting and preventing money laundering, including documentation requirements for significant financial transactions.

Truth in Lending Act (TILA): Federal law requiring clear disclosure of lending terms and conditions, which may apply to bank guarantees as financial instruments.

Uniform Commercial Code (UCC) Article 5: Governs letters of credit and similar instruments including bank guarantees, providing framework for creation, enforcement and interpretation of such documents.

State Banking Regulations: State-specific rules governing banking operations and financial instruments issued by banks within the state's jurisdiction.

State Property and Landlord-Tenant Laws: Laws governing rental agreements, tenant rights, and landlord obligations, including requirements for security and financial guarantees.

Fair Credit Reporting Act (FCRA): Federal law governing the collection and use of credit information, relevant when banks assess guarantee requests.

Equal Credit Opportunity Act (ECOA): Prohibits discrimination in credit transactions, including the issuance of bank guarantees, based on protected characteristics.

Statute of Frauds: State law requiring certain contracts, including financial guarantees, to be in writing and properly executed to be enforceable.

State Security Deposit Laws: Regulations governing handling of security deposits and other financial guarantees in rental agreements, including maximum amounts and handling requirements.