Pertains to the availability of funds and collection of checks.
Reg. DD
This regulation can be broken down into three key topics: Reserve Requirements, Certificate of Deposit Penalties, and Pre-Authorized Transaction Limits.
Reg. P
Community Reinvestment Act
This act provides individual consumers a framework of rights, liabilities, and responsibilities for users of the electronic funds transfer system.
A government agency that protects deposits up to at least $250,000 per depositor if the institution is insured.
This act implemented the Gramm-Leach-Bliley Act which requires banks to provide disclosures on policies relating to customers' non-public personal information.
Under this act it is unlawful for any provider of consumer financial products or services to engage in the following: Unfair, Deceptive, Abusive Acts or Practices.
Reg. CC
Reg. E
FDIC
Requires banks to assist government agencies in efforts to uncover crime by requiring reports of large currency and MI transactions.
USA Patriot Act
Helps to prevent the financial services industry from being unknowingly used for money laundering and terrorist financing.
Bank Secrecy Act
Reg. D
The primary purpose is to assist customers in comparing the terms and conditions of deposit accounts offered by different institutions.
Provides a frame work for financial institutions to promote banking services to all members of a community.
The Dodd-Frank Act
