Federal Banking Laws: Core federal legislation including Glass-Steagall Act (1933), Bank Holding Company Act (1956), Federal Reserve Act, and Dodd-Frank Wall Street Reform and Consumer Protection Act (2010). These establish the fundamental framework for banking operations and financial institution regulation in the US.
Securities Regulations: Key securities laws including Securities Act of 1933, Securities Exchange Act of 1934, Investment Company Act of 1940, and Investment Advisers Act of 1940. These govern securities transactions, registration requirements, and investment activities.
Anti-Money Laundering Laws: Compliance requirements under Bank Secrecy Act (BSA), USA PATRIOT Act, and Anti-Money Laundering Act of 2020. These laws prevent financial crime and ensure proper customer due diligence.
Consumer Protection Laws: Consumer protection frameworks including CFPB regulations, Truth in Lending Act (TILA), and Equal Credit Opportunity Act (ECOA). These ensure fair treatment and adequate disclosure to consumers.
State-Specific Banking Laws: State-level regulations including state banking regulations, securities laws (Blue Sky Laws), and consumer protection statutes that vary by jurisdiction.
International Banking Standards: International frameworks including Basel Accords and ICC Uniform Rules for Bank Guarantees, which may apply to international banking transactions and risk management.
UCC and Regulatory Guidelines: Additional regulatory considerations including Uniform Commercial Code Article 5, FDIC regulations, and OCC guidelines that govern specific aspects of banking operations and guarantees.
