The Shulchan Aruch · Orach Chayim
אורח חיים ע״דOrach Chayim 74
Siman 74 of 697 in Orach Chayim — 6 se'ifim
הלכות קריאת שמעLaws of Reciting Shema· siman 74
Se’if 1א׳
הָיָה יָשֵׁן עָרֹם בְּטַלִּיתוֹ, צָרִיךְ לָחֹץ בְּטַלִּית עַל לִבּוֹ וְאָז יִקְרָא, מִשּׁוּם דְּלִבּוֹ רוֹאֶה אֶת הָעֶרְוָה אָסוּר: הַגָּה: וְה"ה אִם לִבּוֹ רוֹאֶה עֶרְוַת חֲבֵרוֹ אָסוּר (טוּר).
That One Should Not Bless When One's Limbs See [One's] Nakedness (i.e. Genitalia), Containing 6 S'ifim If one was sleeping naked with his cloth, he needs to press the cloth to his heart, and then he may recite [Sh'ma] because [when] one's heart sees one's nakedness (i.e. genitalia) it is forbidden. Rem"a: And the same rule applies if one's heart see one's fellow's nakedness, it is forbidden (Tur)
Se’if 2ב׳
הָרוֹחֵץ עָרֹם בְּמַיִם צְלוּלִים, וְרוֹצֶה לִשְׁתּוֹת, יְכַסֶה בְּבֶגֶד מִמַּטָּה לְלִבּוֹ, כְּדֵי שֶׁלֹּא יְהֵא לִבּוֹ רוֹאֶה אֶת הָעֶרְוָה כְּשֶׁיְּבָרֵךְ. וְדַוְקָא בְּבֶגֶד, אֲבָל בְּיָדַיִם לֹא הָוֵי כִּסוּי: הַגָּה: וְה"ה אִם מְכַסֶּה רֹאשׁוֹ בְּיָדָיו, לֹא מִקְרֵי כִּסּוּי הָרֹאשׁ וע"ל סי' צ"א (תְּרוּמַת הַדֶּשֶׁן בְּשֵׁם אוֹר זָרוּעַ) וְאִם הָיוּ הַמַּיִם עֲכוּרִים, שֶׁאֵין אֵיבָרָיו נִרְאִין בָּהֶם, מֻתָּר לִקְרוֹת וְהוּא בְּתוֹכָן, וְהוּא שֶׁלֹּא יְהֵא רֵיחָן רַע: וְאִם אֵין לִבּוֹ בְּתוֹךְ הַמַּיִם רַק לְמַעְלָה מִן הַמַּיִם, אַף בִּצְלוּלִים שָׁרֵי (דִּבְרֵי עַצְמוֹ).
One who washes naked in clear water and wants to drink should cover [themselves] with a garment below their heart in order that their heart should not see their nakedness (i.e. genitalia) when they bless. And [this is] specifically with a garment, but with [one's] hands it is not [considered] covered. Rem"a: And the same rule applies if one covers their head with their hands, it is not considered a covering for the head - see below Siman 91 (Terumat HaDeshen in the name of Or Zarua) And if the water is murky such that one's body parts cannot be seen in it, it is permitted to recite while they are in it, as long as there is not a bad smell. And if one's heart is not in the water, only above the water, [then] even in clear water it is permitted (D"A)
Se’if 3ג׳
אִם הָאָדָם מְחַבֵּק גּוּפוֹ בִּזְרוֹעוֹתָיו, דַּיְנִין לֵיהּ כְּהַפְסָקָה.
If a person hugs one's body with their arms, it is considered a separation [between the heart and genitalia].
Shulchan Aruch, Orach Chayim — Torat Emet 363 edition, via Sefaria — public domain
English: Sefaria Community Translation — CC0