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Bank Secrecy Act (BSA): Federal law requiring financial institutions to assist government agencies in detecting and preventing money laundering, including requirements for reporting and record keeping.

USA PATRIOT Act: Legislation that strengthens BSA requirements and adds additional measures for customer identification and verification in financial transactions.

Electronic Fund Transfer Act (EFTA): Federal law that provides a basic framework establishing the rights, liabilities, and responsibilities of participants in electronic fund transfer systems.

UCC Article 4A: Uniform Commercial Code Article governing wholesale wire transfers between banks and commercial entities.

Federal Reserve Regulation E: Implements the EFTA and establishes the basic rights, liabilities, and responsibilities of consumers who use electronic fund transfer services.

OFAC Regulations: Treasury department regulations that restrict transactions with specific foreign countries, individuals, and entities.

FinCEN Requirements: Financial Crimes Enforcement Network guidelines for reporting suspicious activities and maintaining anti-money laundering compliance.

State Banking Regulations: State-specific laws governing banking operations and money transmission within individual states.

SWIFT Regulations: International banking network standards and protocols for secure financial messaging and cross-border transactions.

Consumer Protection Laws: State and federal laws designed to protect consumers in financial transactions, including disclosure requirements and error resolution procedures.

Anti-Money Laundering Regulations: Comprehensive framework of rules designed to prevent the conversion of illegally obtained funds into legitimate assets.

CFPB Guidelines: Consumer Financial Protection Bureau requirements for consumer disclosures, fee structures, and fair banking practices.