Truth in Savings Act (Regulation DD): Federal regulation requiring disclosure of interest rates, fees, terms, and account opening/maintenance requirements for deposit accounts
Electronic Fund Transfer Act (Regulation E): Federal law governing electronic transactions, including error resolution procedures and consumer liability limits for unauthorized transfers
Expedited Funds Availability Act (Regulation CC): Federal regulation establishing funds availability schedules, hold policies, and check clearing procedures
Bank Secrecy Act and USA PATRIOT Act: Federal laws establishing customer identification requirements and anti-money laundering provisions
Federal Deposit Insurance Act: Federal law governing FDIC insurance coverage and related disclosure requirements for deposit accounts
Federal Reserve Regulation D: Federal regulation establishing transaction limits on savings accounts and reserve requirements
Uniform Commercial Code (UCC) Article 4: State-adopted uniform law governing bank deposits, collections, and check processing rules
State Banking Laws: State-specific regulations governing banking operations and consumer protection within the state's jurisdiction
State Consumer Protection Laws: State-specific laws protecting consumers in banking relationships and transactions
State Abandoned Property Laws: State-specific regulations governing the handling of dormant accounts and unclaimed property
CFPB Regulations: Consumer Financial Protection Bureau guidelines for consumer protection in financial services
OCC Guidelines: Office of the Comptroller of the Currency regulatory guidance for national banks and federal savings associations
Federal Reserve Board Requirements: General regulatory requirements from the Federal Reserve System affecting deposit accounts and banking operations
