Federal Deposit Insurance Act (FDIA): Primary federal law establishing the FDIC and governing deposit insurance and bank supervision
Bank Secrecy Act (BSA): Requires financial institutions to assist government agencies in detecting and preventing money laundering
Truth in Savings Act (TISA): Requires banks to disclose terms and conditions of deposit accounts to consumers
Electronic Fund Transfer Act (EFTA): Establishes rights, liabilities, and responsibilities of participants in electronic fund transfer systems
Regulation D: Sets reserve requirements for depository institutions and defines types of deposit accounts
Regulation DD: Implements the Truth in Savings Act, requiring uniform disclosure of account terms and fees
USA PATRIOT Act: Establishes customer identification requirements and enhanced due diligence procedures for banks
State Banking Laws: State-specific regulations governing banking operations and consumer protection within individual states
Consumer Financial Protection Bureau Regulations: Federal regulations designed to ensure fairness and transparency in consumer financial products
Dodd-Frank Act: Comprehensive financial reform legislation affecting bank operations and consumer protection
Uniform Commercial Code Article 4: Governs bank deposits and collections, including rights and duties of banks and customers
Federal Reserve Board Regulations: Guidelines on interest rates, reserve requirements, and other banking operations
Know Your Customer (KYC) Regulations: Requirements for banks to verify customer identity and assess risk levels
State Usury Laws: State-specific limitations on interest rates and charges that banks can impose
