Uniform Commercial Code (UCC) Article 9: Federal legislation governing secured transactions, which is relevant for deposit agreements when accounts are used as collateral
Federal Deposit Insurance Act (FDIA): Federal law establishing the FDIC and setting forth rules for insured depository institutions
Truth in Savings Act (TISA): Federal law requiring depository institutions to disclose terms and conditions of deposit accounts to consumers
Bank Secrecy Act (BSA): Federal law requiring financial institutions to assist government agencies in detecting and preventing money laundering
Regulation D: Federal Reserve Board regulation establishing reserve requirements for depository institutions and defining types of deposit accounts
Electronic Funds Transfer Act (EFTA): Federal law establishing rights, liabilities, and responsibilities of participants in electronic fund transfer systems
State Banking Regulations: State-specific laws governing banking operations and deposit-taking institutions within individual states
State Contract Laws: State-specific laws governing the formation and enforcement of contracts, including deposit agreements
State Consumer Protection Laws: State-specific laws designed to protect consumers in financial transactions and relationships with banks
State UCC Modifications: State-specific adoptions and modifications to the Uniform Commercial Code that may affect deposit relationships
Federal Reserve Board Regulations: Regulations issued by the Federal Reserve that govern banking practices and deposit relationships
FDIC Regulations: Rules and requirements established by the Federal Deposit Insurance Corporation for insured deposits
CFPB Guidelines: Consumer Financial Protection Bureau guidelines protecting consumers in their financial relationships
OCC Regulations: Office of the Comptroller of the Currency regulations governing national banks and their deposit operations
USA PATRIOT Act: Federal law requiring customer identification programs and other anti-terrorism measures in banking relationships
Anti-Money Laundering Regulations: Federal regulations requiring banks to implement programs to detect and prevent money laundering
Know Your Customer Requirements: Regulatory requirements for banks to verify customer identity and assess risk in banking relationships
Gramm-Leach-Bliley Act: Federal law establishing privacy requirements for financial institutions handling customer information
