Truth in Savings Act (Regulation DD): Federal regulation governing deposit account disclosures, including interest rate calculations, fee disclosures, and account terms and conditions
Electronic Fund Transfer Act (Regulation E): Federal law covering electronic banking transactions, including error resolution procedures, consumer liability limits, and online/mobile banking provisions
Bank Secrecy Act (BSA): Federal requirements for customer identification, reporting obligations, and record keeping to prevent money laundering
Federal Deposit Insurance Act: Federal law establishing FDIC insurance coverage, related disclosure requirements, and deposit insurance limits
Expedited Funds Availability Act (Regulation CC): Federal regulation determining fund availability schedules, hold periods, and check clearing procedures
Gramm-Leach-Bliley Act: Federal privacy law requiring financial institutions to explain information-sharing practices and protect sensitive data
State Banking Laws: State-specific regulations governing banking operations, including disclosure requirements, interest rate regulations, and fee limitations
State Consumer Protection Laws: State-level laws protecting consumers from unfair practices, governing contract terms, and establishing notice requirements
State Unclaimed Property Laws: State regulations governing dormant account procedures and escheatment requirements
State Security Requirements: State-specific regulations for data protection and cybersecurity measures in banking operations
CFPB Regulations: Consumer Financial Protection Bureau guidelines governing consumer financial products and services
Federal Reserve Board Guidelines: Regulatory guidance from the Federal Reserve System affecting banking operations and consumer protection
OCC Requirements: Office of the Comptroller of the Currency regulations governing national banks and federal savings associations
FFIEC Guidance: Federal Financial Institutions Examination Council standards for banking practices and risk management
