Bank Secrecy Act (BSA): Primary federal law governing financial transaction reporting and anti-money laundering requirements in the United States
USA PATRIOT Act: Legislation enhancing BSA requirements and establishing additional anti-money laundering provisions for financial institutions
Securities Exchange Act of 1934: Federal law governing securities trading and establishing SEC oversight of financial markets
Investment Company Act of 1940: Federal law regulating investment companies and their activities, including fund transfers
UCC Article 4A: Uniform Commercial Code article governing wholesale funds transfers between commercial entities
Regulation E: Federal Reserve regulation protecting consumers making electronic fund transfers
Regulation J: Federal Reserve regulation governing check collection and funds transfer through Federal Reserve Banks
SEC Regulations: Securities and Exchange Commission rules governing securities transactions and related fund transfers
FINRA Requirements: Financial Industry Regulatory Authority rules governing broker-dealers and securities transactions
State Banking Regulations: State-specific laws governing banking operations and fund transfers within state jurisdictions
KYC Requirements: Know Your Customer protocols requiring financial institutions to verify the identity of their clients
OFAC Compliance: Office of Foreign Assets Control requirements preventing transactions with sanctioned entities
SAR Requirements: Suspicious Activity Reporting obligations for financial institutions to report suspicious transactions
SWIFT Regulations: Rules governing international financial messaging and cross-border payments
CFPB Regulations: Consumer Financial Protection Bureau rules protecting consumers in financial transactions
