UCC Article 4: Federal legislation governing bank deposits and collections, establishing rules for the relationship between banks and their customers regarding deposits, collections, and payment orders
UCC Article 4A: Federal legislation specifically dealing with funds transfers between banks and commercial customers, covering wholesale wire transfers and related banking operations
Bank Secrecy Act (BSA): Federal law requiring financial institutions to assist government agencies in detecting and preventing money laundering, including requirements for reporting and record-keeping
USA PATRIOT Act: Federal legislation establishing Know Your Customer (KYC) requirements and enhanced due diligence procedures for financial institutions
Federal Reserve Regulation CC: Regulation implementing the Expedited Funds Availability Act, establishing rules for funds availability and collection of checks
Federal Reserve Regulation D: Regulation establishing reserve requirements for depository institutions and defining types of deposit accounts
Electronic Fund Transfer Act: Federal law establishing the rights, liabilities, and responsibilities of participants in electronic fund transfer systems
Federal Deposit Insurance Act: Law establishing the FDIC and setting forth rules for deposit insurance and bank supervision
Dodd-Frank Act: Comprehensive financial reform legislation affecting banking operations, consumer protection, and financial stability
Gramm-Leach-Bliley Act: Federal law establishing privacy rules for financial institutions and requirements for protecting customer information
State Banking Laws: State-specific regulations governing banking operations, licensing, and consumer protection within individual states
OCC Regulations: Federal banking regulations issued by the Office of the Comptroller of the Currency governing national banks
FDIC Regulations: Regulations governing deposit insurance, bank safety and soundness, and consumer protection
FinCEN Regulations: Financial Crimes Enforcement Network rules governing anti-money laundering compliance and reporting requirements
Truth in Savings Act: Federal law requiring disclosure of terms and conditions for deposit accounts and interest calculations
Fair Credit Reporting Act: Federal law governing the collection, dissemination, and use of consumer credit information
Equal Credit Opportunity Act: Federal law prohibiting discrimination in credit transactions based on various protected characteristics
Cybersecurity Regulations: Federal and state requirements for protecting banking systems and customer data from cyber threats
OFAC Compliance Requirements: Office of Foreign Assets Control regulations requiring screening and blocking of transactions with sanctioned parties
Consumer Financial Protection Bureau Guidelines: Federal guidelines and regulations protecting consumers in their financial transactions and relationships with banks
