Truth in Savings Act (Regulation DD): Federal regulation governing disclosure requirements for fees, interest rates, terms, and account opening/maintenance requirements for deposit accounts
Electronic Fund Transfer Act (Regulation E): Federal regulation covering electronic transaction provisions, error resolution procedures, and consumer liability limits for electronic transfers
Expedited Funds Availability Act (Regulation CC): Federal regulation establishing funds availability policies, hold periods for deposits, and check clearing procedures
Bank Secrecy Act and USA PATRIOT Act: Federal laws requiring customer identification procedures and anti-money laundering provisions in banking relationships
Federal Deposit Insurance Act: Federal law governing FDIC insurance coverage and related disclosure requirements for deposit accounts
UCC Article 4: Uniform Commercial Code provisions governing bank deposits, collections, and check processing rules
State Banking Regulations: State-specific banking laws and regulations that vary by jurisdiction and govern banking operations within each state
State Consumer Protection Laws: State-specific laws designed to protect consumers in banking relationships, including fee limitations and disclosure requirements
State Abandoned Property Laws: State-specific escheatment laws governing the handling of dormant accounts and abandoned property
Federal Reserve Board Regulations: Guidelines and requirements issued by the Federal Reserve System affecting banking operations and customer relationships
FDIC Guidelines: Regulatory guidance issued by the Federal Deposit Insurance Corporation for insured banking institutions
CFPB Requirements: Consumer Financial Protection Bureau regulations and guidelines protecting consumers in financial relationships
OCC Guidelines: Office of the Comptroller of the Currency guidance for national banks and federal savings associations
