Truth in Savings Act (Regulation DD): Federal regulation requiring clear disclosure of terms and conditions for deposit accounts, including APY calculation methods and fee disclosures
Federal Deposit Insurance Act: Establishes the FDIC and sets requirements for deposit insurance coverage and banking operations
Bank Secrecy Act: Requires financial institutions to assist government agencies in detecting and preventing money laundering
Regulation D: Federal Reserve regulation governing reserve requirements and withdrawal limitations for deposit accounts
Electronic Fund Transfer Act (Regulation E): Establishes rights, liabilities, and responsibilities of participants in electronic fund transfer systems
USA PATRIOT Act: Requires customer identification procedures and due diligence in opening bank accounts
Consumer Financial Protection Bureau Regulations: Various consumer protection requirements for financial products and services
Fair Credit Reporting Act: Regulates the collection, dissemination, and use of consumer credit information
Equal Credit Opportunity Act: Prohibits discrimination in financial transactions based on race, color, religion, national origin, sex, marital status, or age
State Banking Regulations: State-specific requirements governing banking operations and consumer protection within individual states
Internal Revenue Code Provisions: Tax regulations regarding interest income reporting and withholding requirements for deposit accounts
FDIC Insurance Rules: Guidelines defining deposit insurance coverage limits and requirements for insured accounts
Federal Reserve Board Guidelines: Regulatory guidance on banking operations, monetary policy, and financial institution supervision
OCC Guidelines: Regulatory standards and supervision requirements for national banks and federal savings associations
