Uniform Commercial Code (UCC): Key articles include Article 8 (Investment Securities) and Article 9 (Secured Transactions), which are crucial for perfection of security interests in deposit accounts
Federal Reserve Regulation CC: Governs funds availability and collection of checks, essential for deposit account operations
Federal Deposit Insurance Act: Provides the framework for deposit insurance and banking operations regulations
Bank Secrecy Act: Requires financial institutions to assist government agencies in detecting and preventing money laundering
Federal Reserve Regulation D: Sets reserve requirements for depository institutions and defines types of deposit accounts
State Banking Laws: State-specific regulations governing banking operations and secured transactions that vary by jurisdiction
Truth in Savings Act: Consumer protection law requiring disclosure of terms and conditions for deposit accounts
Electronic Fund Transfer Act: Establishes rights, liabilities, and responsibilities of participants in electronic fund transfer systems
Federal Reserve Regulation E: Implements the Electronic Fund Transfer Act, providing a framework for electronic banking transactions
U.S. Bankruptcy Code: Ensures enforceability of control agreements in bankruptcy scenarios and interfaces with UCC Section 9-312
Federal Reserve Operating Circular 7: Governs book-entry securities and related banking operations
USA PATRIOT Act: Mandates customer identification requirements and anti-money laundering provisions for financial institutions
Dodd-Frank Act: Provides comprehensive financial reform including regulations affecting bank accounts and fee structures
