UCC Article 8: Uniform Commercial Code Article 8 governing securities and investment properties in escrow arrangements
Securities Act of 1933: Federal law regulating the offering and sale of securities, relevant when the escrow involves security instruments
Bank Secrecy Act: Federal law requiring financial institutions to assist government agencies in detecting and preventing money laundering
USA PATRIOT Act: Federal law establishing customer identification requirements and enhanced due diligence procedures for financial transactions
AML Regulations: Anti-Money Laundering regulations requiring institutions to implement programs to prevent money laundering
State Escrow Laws: State-specific regulations governing escrow operations, licensing, and compliance requirements
State Banking Laws: State-specific regulations governing banking operations and financial services
State Licensing Requirements: Specific state requirements for licensing and operating as an escrow agent or agency
FDIC Regulations: Federal Deposit Insurance Corporation regulations governing depository institutions and escrow accounts
OCC Guidelines: Office of the Comptroller of the Currency guidelines for national banks handling escrow services
RESPA: Real Estate Settlement Procedures Act governing real estate transactions and related escrow services
CFPB Regulations: Consumer Financial Protection Bureau regulations protecting consumers in financial transactions
State Contract Laws: State-specific laws governing contract formation, enforcement, and interpretation
Statute of Frauds: Legal requirement that certain contracts must be in writing to be enforceable
ESIGN Act: Federal law ensuring the legal validity of electronic signatures and records in commercial transactions
UETA: Uniform Electronic Transactions Act providing uniform state laws for electronic signatures and records
