Federal Reserve Regulation D: Establishes reserve requirements for depository institutions and governs the classification and treatment of deposit accounts
Federal Reserve Regulation CC: Governs funds availability and collection of checks, including hold periods and disclosure requirements
Bank Secrecy Act (BSA): Requires financial institutions to assist government agencies in detecting and preventing money laundering, including reporting and record-keeping requirements
Truth in Savings Act (TISA): Requires disclosure of terms and conditions for deposit accounts, including fees, interest rates, and annual percentage yields
Electronic Fund Transfer Act (EFTA): Establishes the basic rights, liabilities, and responsibilities of consumers who use electronic fund transfer services
Regulation E: Implements the Electronic Fund Transfer Act, providing a basic framework for establishing rights and responsibilities of electronic fund transfer participants
Dodd-Frank Act: Comprehensive financial reform legislation that includes consumer protection provisions and banking industry regulations
Gramm-Leach-Bliley Act (GLBA): Requires financial institutions to explain their information-sharing practices and protect sensitive customer data
USA PATRIOT Act: Includes provisions for customer identification programs and enhanced due diligence requirements for financial institutions
UCC Article 4: Governs bank deposits and collections, including the relationship between banks and their customers regarding deposits and collections
UCC Article 4A: Governs wholesale wire transfers and other fund transfers between financial institutions and commercial customers
State Banking Regulations: State-specific laws and regulations governing banking operations and consumer protection within individual states
FATCA: Foreign Account Tax Compliance Act requirements for reporting and transparency in financial accounts
OFAC Regulations: Office of Foreign Assets Control regulations regarding sanctions and restricted parties in financial transactions
KYC Requirements: Know Your Customer procedures required for customer identification, verification, and ongoing monitoring
