Fed's Reg. AA imposes the Credit Practices Rule on state member banks and FDIC includes this regulation within the scope of its examiner manual, but I can't find the official connection. What FDIC edict directs state non-member banks to comply with Reg. AA?

Richard,
Try here:

http://www.fdic.gov/regulations/laws/rules/6500-3205.html#6500227.16

and look at 227.11 (c) (3)