Truth in Savings Act (Regulation DD): Federal regulation requiring depository institutions to provide disclosures about fees, interest rates, and other terms for deposit accounts
Federal Deposit Insurance Act: Establishes the FDIC and sets requirements for deposit insurance coverage and bank operations
Bank Secrecy Act: Requires financial institutions to assist government agencies in detecting and preventing money laundering
Federal Reserve Regulation D: Sets reserve requirements and defines types of deposit accounts, including requirements for time deposits like CDs
Electronic Fund Transfer Act (Regulation E): Establishes rights, liabilities, and responsibilities of participants in electronic fund transfer systems
CFPB Regulations: Consumer Financial Protection Bureau regulations governing consumer financial products and services
State Banking Laws: State-specific regulations and requirements for banking operations and consumer protection
Uniform Commercial Code Article 3: Governs negotiable instruments and provides rules for handling financial documents
Anti-Money Laundering Requirements: Regulations requiring banks to monitor and report suspicious activities to prevent money laundering
USA PATRIOT Act: Requires financial institutions to verify customer identity and maintain appropriate records
FDIC Insurance Requirements: Mandatory disclosures and requirements regarding deposit insurance coverage
Early Withdrawal Regulations: Federal and state regulations governing penalties and procedures for early withdrawal from CDs
Interest Rate Disclosure Requirements: Regulations requiring clear disclosure of interest rates, APY, and computation methods
Account Ownership Rules: Regulations governing various types of account ownership and survivorship rights
