Every country has their own Amateur Radio rules and regulations. Here is the current FCC frequency allocations table for all services. https://transition.fcc.gov/oet/spectrum/table/fcctable.pdf

Here in the US, we HAMs are regulated by the FCC under 47 CFR part 97. If you look in the FCC chart, you will see Amateur Radio (97)

If you go to Frequency Allocations you can see the Frequency allocations only for Amateur Radio here in the US. Some of these allocations are shared with other services.

70 Centimeters - 420.0-450.0 MHz: CW, Phone, Image, MCW, RTTY/Data
33 Centimeters - 902.0-928.0 MHz: CW, Phone, Image, MCW, RTTY/Data

If you check the FCC chart, there’s no such thing as a “LoRa Band”. Perhaps what you mean are license-free allocations. Look for RF Devices (15) and ISM Equipment (18).
You will notice that there are no license-free allocations in the 868MHz band this is allocated to Cellular Public Mobile (22) and Trunking Services Private Land Mobile (90)
Also, there is no license-free allocation in the 420-450MHz band.

The only legal band for you to operate Meshtastic or Reticullum is on 902-928 in the US. It’s actually disgusting that people operate unlicensed equipment on frequencies that they cannot use.

If you want to get your Amateur Radio license, there are plenty two weekend courses you can take.