One (Talent/JWNDAA) has to do with required disclosures at the time of application and loan closing for covered loans (we chose to discontinue these covered loans) and the other (SCRA) deals with relief for pre active duty debt and other protections for both pre and post active duty debt.
Neither regulation requires a policy however your regulator, FDIC in particular, may highly recommend one be in place.
Since you are new to this reading through this forum will give you some good background and research material. I know it's not very exciting reading but it's still good information.
The opinions expressed are mine and they are not to be taken as legal advice.