Federal Reserve Regulation D: Governs reserve requirements and limits on certain types of withdrawals and transfers from savings and money market accounts
Federal Reserve Act: Primary law governing the Federal Reserve System and banking operations in the United States
Bank Secrecy Act: Requires financial institutions to assist government agencies in detecting and preventing money laundering
Federal Deposit Insurance Act: Governs the operation of the FDIC and establishes deposit insurance requirements
Securities Act of 1933: Regulates the offer and sale of securities and requires full disclosure of material information
Securities Exchange Act of 1934: Governs securities secondary market trading and establishes the SEC
Investment Company Act of 1940: Regulates investment companies, including mutual funds that may be used in sweep arrangements
Truth in Savings Act (Regulation DD): Requires clear disclosure of terms and conditions for deposit accounts, including interest rates and fees
Electronic Fund Transfer Act (Regulation E): Establishes rights, liabilities, and responsibilities of parties in electronic funds transfers
USA PATRIOT Act: Requires financial institutions to verify customer identity and monitor transactions for suspicious activity
State Banking Regulations: State-specific laws governing banking operations and consumer protection within individual states
FDIC Insurance Requirements: Rules governing deposit insurance coverage and limits for sweep account arrangements
OCC Regulations: Office of the Comptroller of the Currency rules governing national banks and federal savings associations
FINRA Rules: Financial Industry Regulatory Authority regulations governing broker-dealers and investment products in sweep arrangements
