Uniform Commercial Code (UCC): Federal legislation particularly focusing on Article 9 governing secured transactions, which is crucial for cash management and banking relationships
Bank Secrecy Act (BSA): Federal law requiring financial institutions to assist government agencies in detecting and preventing money laundering
Anti-Money Laundering (AML) Regulations: Federal regulations designed to prevent the conversion of illegally obtained money into legitimate assets
USA PATRIOT Act: Federal law that includes provisions for strengthening banking rules against money laundering and terrorist financing
Federal Reserve Regulation CC: Regulation governing funds availability and collection of checks for financial institutions
Electronic Funds Transfer Act (EFTA): Federal law providing a framework for establishing rights and responsibilities of participants in electronic fund transfer systems
Dodd-Frank Wall Street Reform Act: Comprehensive federal law reform affecting financial regulation, including provisions relevant to cash management services
State Banking Regulations: State-specific laws governing banking operations and transactions within individual states
State UCC Modifications: State-specific adoptions and modifications to the Uniform Commercial Code that may affect cash management agreements
State Money Transmitter Laws: State-specific regulations governing money transmission services and requirements
FDIC Regulations: Federal Deposit Insurance Corporation rules governing insured deposits and banking operations
OCC Guidelines: Office of the Comptroller of the Currency guidelines for national banks and federal savings associations
Federal Reserve Board Requirements: Central bank regulations affecting monetary policy and banking operations
CFPB Regulations: Consumer Financial Protection Bureau rules protecting consumers in financial transactions
NACHA Rules: National Automated Clearing House Association operating rules for the ACH Network
Federal Reserve Operating Circulars: Operational guidelines issued by the Federal Reserve for financial services and transactions
KYC Requirements: Know Your Customer compliance requirements for verifying the identity of clients
CIP Requirements: Customer Identification Program requirements for verifying customer identity as part of account opening
SAR Obligations: Suspicious Activity Reporting requirements for financial institutions to report suspicious banking activities
