Wells Fargo, the nation’s fifth-largest provider of student loans, is the latest lender to accept a series of operating restrictions suggested by New York State’s attorney general, Andrew M. Cuomo, as a result of his investigation of the college-lender scandal.

Wells Fargo, which writes more than $4-billion in student loans each year, has agreed to respect guidelines from Mr. Cuomo that include bans on payments or gifts to colleges, both the bank and the attorney general’s office said today in statements. Mr. Cuomo has won similar commitments from other major lenders, including the four that are larger than Wells Fargo: Citibank, Sallie Mae, JP Morgan Chase, and Bank of America.

Sallie Mae, Citibank, Education Finance Partners, and CIT also have agreed to contribute a total of $9.5-million to a national fund established by Mr. Cuomo to help educate students and their families about financial aid. Meanwhile, 24 colleges have accepted Mr. Cuomo’s Code of Conduct, prohibiting revenue-sharing agreements with lenders, among other things.

Some of the lending relationships criticized by Mr. Cuomo are permitted under federal law. Yet Mr. Cuomo has threatened both the lenders and colleges with legal action if they do not accept his new restrictions, saying that student-loan borrowers are harmed by secretive financial relationships between the colleges and loan companies.

The agreement with Wells Fargo also bans the bank’s employees who work at telephone-call centers from identifying themselves as students or as employees of a college. The agreement does not require any payment by Wells Fargo into the educational fund established by Mr. Cuomo. —Paul Basken