Truth in Savings Act (Regulation DD): Federal regulation requiring banks to provide uniform disclosures about deposit account terms, fees, and interest rates
Electronic Fund Transfer Act (Regulation E): Federal law governing electronic banking transactions, including ATM transfers, debit card usage, and direct deposits
Bank Secrecy Act (BSA): Requires financial institutions to assist government agencies in detecting and preventing money laundering
USA PATRIOT Act: Mandates customer identification requirements and verification procedures for opening bank accounts
Expedited Funds Availability Act (Regulation CC): Governs when banks must make deposited funds available to account holders
Right to Financial Privacy Act: Establishes specific procedures for federal government access to customer financial records
Federal Deposit Insurance Act: Provides deposit insurance coverage and establishes operating standards for banks
Fair Credit Reporting Act: Regulates the collection and use of consumer credit information
Equal Credit Opportunity Act: Prohibits discrimination in banking and lending practices
Regulation D: Federal Reserve regulation establishing reserve requirements for depository institutions
Regulation H: Sets membership requirements for banks in the Federal Reserve System
Regulation Q: Governs payment of interest on deposits and account requirements
State Banking Laws: State-specific regulations governing banking operations and consumer protection within individual states
UCC Article 4: Uniform Commercial Code provisions governing bank deposits and collections
UCC Article 4A: Uniform Commercial Code provisions governing fund transfers between banks
Gramm-Leach-Bliley Act: Requires financial institutions to explain their information-sharing practices and protect sensitive data
CFPB Regulations: Consumer Financial Protection Bureau rules protecting consumers in financial transactions
UDAAP Standards: Prohibits Unfair, Deceptive, or Abusive Acts or Practices in banking services
