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Truth in Savings Act (TISA): Federal law requiring banks to provide clear and uniform disclosures about deposit accounts, including terms of account closure

Electronic Fund Transfer Act (EFTA): Federal law establishing rights and responsibilities for electronic banking transactions, including protections during account closure

Federal Reserve Regulation E: Implements the EFTA, providing specific rules for electronic transfers and consumer rights during account transitions

Bank Secrecy Act (BSA): Federal law requiring banks to maintain certain records and report suspicious activities, which may affect account closure procedures

Fair Credit Reporting Act (FCRA): Federal law governing the collection and use of consumer credit information, including reporting of account closures

Consumer Financial Protection Bureau Regulations: Federal regulations providing consumer protection in financial matters, including bank account services and closures

Dodd-Frank Wall Street Reform and Consumer Protection Act: Comprehensive financial reform law that strengthened consumer protection in banking services

State Consumer Protection Laws: Varying state-specific laws that provide additional consumer protections regarding banking services and account closures

Gramm-Leach-Bliley Act: Federal law requiring financial institutions to explain their information-sharing practices and protect sensitive data during all banking operations

Notice Requirements Regulations: Federal and state regulations requiring banks to provide adequate notice and explanation before closing customer accounts