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Truth in Savings Act (Regulation DD): Federal regulation requiring banks to provide clear and uniform disclosures about deposit accounts, including terms, fees, and interest rates

Federal Deposit Insurance Act: Legislation establishing the FDIC and governing deposit insurance protection for bank accounts

Bank Secrecy Act: Requires financial institutions to assist government agencies in detecting and preventing money laundering

Consumer Financial Protection Bureau Regulations: Federal regulations designed to ensure fairness and transparency in financial transactions with consumers

Electronic Fund Transfer Act (Regulation E): Establishes the basic rights, liabilities, and responsibilities of participants in electronic fund transfer systems

Fair Credit Reporting Act: Federal law regulating the collection, dissemination, and use of consumer credit information

USA PATRIOT Act: Requires banks to verify customer identity and maintain appropriate records to prevent terrorism financing

Gramm-Leach-Bliley Act: Requires financial institutions to explain their information-sharing practices and protect sensitive customer data

Uniform Commercial Code Article 4: Governs bank deposits and collections, including legal framework for deposit relationships

E-SIGN Act: Federal law ensuring the legal validity of electronic signatures and records in banking transactions

Uniform Electronic Transactions Act: State law providing consistent rules for electronic transactions and signatures across states

State Banking Regulations: Specific state-level requirements governing banking operations and deposit documentation within each jurisdiction

Know Your Customer Requirements: Banking regulations requiring verification of customer identity and assessment of potential risks

Federal Reserve Regulations: Various regulations governing bank operations, reserves, and reporting requirements