Federal Reserve Act: Primary federal legislation governing banking institutions in the US, establishing the Federal Reserve System and basic banking operations framework
Bank Secrecy Act (BSA): Requires financial institutions to assist government agencies in detecting and preventing money laundering, including reporting requirements for cash transactions
Federal Deposit Insurance Act: Governs the operation of the FDIC and establishes deposit insurance requirements for banking institutions
Regulation CC: Implements the Expedited Funds Availability Act, governing funds availability and collection of checks
Regulation D: Establishes reserve requirements for depository institutions and governs monetary policy implementation
USA PATRIOT Act: Enhances anti-money laundering requirements and establishes additional customer identification procedures for financial institutions
Electronic Fund Transfer Act (EFTA): Establishes the basic rights, liabilities, and responsibilities of consumers who use electronic fund transfer services
Regulation E: Implements the Electronic Fund Transfer Act, providing a basic framework for establishing rights, liabilities, and responsibilities of electronic fund transfer services
NACHA Rules: Operating rules for the ACH Network, governing electronic payments and automated clearing house transactions
Truth in Savings Act: Requires depository institutions to disclose terms and conditions of interest-bearing accounts to consumers
Regulation DD: Implements the Truth in Savings Act, requiring uniform disclosure of terms and conditions of interest-bearing accounts
Uniform Commercial Code (UCC): Particularly Articles 4 and 4A, governing bank deposits, collections, and funds transfers in commercial transactions
Gramm-Leach-Bliley Act (GLBA): Requires financial institutions to explain their information-sharing practices and protect sensitive customer data
State Banking Laws: Various state-specific regulations governing banking operations, funds transfers, and consumer protection within individual states
Consumer Financial Protection Bureau Regulations: Federal regulations designed to ensure fair, transparent, and competitive financial services market for consumers
