If the bank is chartered in CA but has revolving lines of credit accounts in multiple states, does the bank have to take possible state SCRA laws into consideration?
Is it where the bank is or the customer resides?

The classic question. Do you LOC agreements say what state laws will apply? In the current environment of heightened interest and publicity for SCRA, a conservative approach may be best, and CA has some of the strictest and broadest laws related to financial services for the military.