Truth in Savings Act (TISA) - Regulation DD: Federal regulation governing disclosure requirements for interest rates, fees, terms, and account opening/maintenance requirements for deposit accounts
Electronic Fund Transfer Act (EFTA) - Regulation E: Federal regulation covering electronic transaction rights, responsibilities, error resolution procedures, and liability limits for unauthorized transactions
Expedited Funds Availability Act - Regulation CC: Federal regulation establishing fund availability schedules, hold policies, and check clearing procedures
Bank Secrecy Act (BSA) and USA PATRIOT Act: Federal regulations requiring customer identification, anti-money laundering provisions, and information sharing requirements
Federal Reserve Board Regulations: Federal regulations governing reserve requirements, interest rate limitations, and transaction limitations
Federal Deposit Insurance Act: Federal law establishing FDIC insurance coverage and related disclosure requirements
Gramm-Leach-Bliley Act: Federal privacy law establishing requirements for financial institutions to protect and disclose information sharing practices
Right to Financial Privacy Act: Federal law governing the disclosure of financial records by financial institutions to government agencies
State Banking Laws: State-specific requirements for account agreements, fee limitations, and consumer protection provisions that vary by jurisdiction
State Unclaimed Property Laws: State-specific regulations governing dormant account provisions and escheatment requirements
State Privacy Laws: State-specific privacy requirements and data protection standards that supplement federal regulations
State Consumer Protection Laws: State-specific consumer rights and disclosure requirements that provide additional protections beyond federal regulations
