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Bank Secrecy Act (BSA): Federal law requiring financial institutions to assist government agencies in detecting and preventing money laundering, including reporting cash transactions over $10,000

Electronic Fund Transfer Act (EFTA): Federal law that provides a basic framework establishing the rights, liabilities, and responsibilities of participants in electronic fund transfer systems

Federal Reserve Regulation E: Implements the EFTA and establishes the basic rights, liabilities, and responsibilities of consumers who use electronic fund transfer services

Identity Theft and Assumption Deterrence Act: Federal law that makes identity theft a federal crime and provides protection for consumers against identity theft

Fair and Accurate Credit Transactions Act (FACTA): Federal law that allows consumers to request and obtain a free credit report once every twelve months and implements identity theft prevention measures

State-Specific Banking Laws: Individual state regulations governing banking operations and authorizations, which vary by jurisdiction

State Power of Attorney Regulations: State-specific laws governing the creation, validation, and execution of power of attorney documents

USA PATRIOT Act: Federal law that strengthens anti-money laundering requirements and includes provisions for customer identification programs

Know Your Customer (KYC) Guidelines: Banking regulations requiring financial institutions to verify the identity of their clients and assess potential risks of illegal intentions

Gramm-Leach-Bliley Act (GLBA): Federal law requiring financial institutions to explain their information-sharing practices to customers and protect sensitive data