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Uniform Probate Code (UPC): Federal legislation that provides a unified approach to probate and estate administration across states, governing how deceased persons' assets are processed

Right of Survivorship Laws: Federal regulations determining how jointly held property passes to surviving owners upon the death of a co-owner

Estate Administration Laws: Federal guidelines governing the process of managing and distributing a deceased person's estate

FDIC Regulations: Federal Deposit Insurance Corporation rules protecting bank deposits and governing how banks handle deceased account holders

Bank Secrecy Act (BSA): Federal law requiring financial institutions to assist government agencies in detecting and preventing money laundering, including in estate situations

Patriot Act Requirements: Federal regulations for identity verification and anti-terrorism measures that apply even in death claim situations

State Probate Laws: State-specific legislation governing the probate process and estate administration within individual states

State Banking Regulations: State-specific rules governing banking operations and account handling within individual states

Joint Account Laws: State-specific regulations governing the handling of joint accounts and beneficiary designations after death

OCC Guidelines: Office of the Comptroller of the Currency guidelines for national banks handling death claims

Federal Reserve Board Regulations: Federal Reserve guidelines affecting how banks handle accounts and claims after account holder death

Truth in Savings Act: Federal law requiring banks to provide clear and accurate information about account terms, including posthumous handling

Electronic Fund Transfer Act: Federal legislation governing electronic transfers, including handling of automated transactions after account holder death

Gramm-Leach-Bliley Act: Federal privacy law protecting customers' financial information, including deceased account holders' data