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Federal Laws

There are many laws that apply to financial institutions. Most of these are found in Title 12 of the United States Code. Some of the most important laws are:

  • 12 U.S.C. §§ 1461-1470: Laws regulating Federal Savings and Loan Associations
  • 12 U.S.C. §§ 4001-4010: The Expedited Funds Availability Act
  • 12 U.S.C. § 371a: Garn-St. Germain Depository Institutions Act
  • 12 USC §§ 1811-1832: Federal Deposit Insurance Corporation
  • 12 U.S.C.: Banks and Banking
  • 28 U.S.C. § 1348: Banking Associations as Parties to Civil Litigation

In addition to statutes, there are administrative rules that govern financial institutions. These rules have the same force and effect as actual laws passed by Congress. Title 12 of the Code of Federal Regulations is the site of most federal agency regulations that deal with banks and banking.

Inside Federal Laws