US Key Federal Banking Regulations Training

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Additional languages available
Meets accessibility standards
Auto-save training, mobile-friendly
Deliver on Ethena or your LMS (SCORM)

Course Summary

US banks operate under a web of federal rules covering credit, deposits, disclosures, and electronic payments. This Ethena course walks staff through the core regulations that govern how consumer accounts and lending are handled day to day.

Fair lending under Regulation B
Deposit and funds-availability rules
Truth in Savings and Lending disclosures
Electronic transfer and gambling rules

Included Modules:

A Guide to Federal Banking Regulations

Introduces the framework of US federal banking regulations and the lettered consumer rules, now largely administered by the CFPB, that govern credit and deposits.

Equal Credit Opportunity Act: Regulation B

Covers the Equal Credit Opportunity Act and Regulation B, which prohibit credit discrimination based on race, sex, age, and other protected characteristics.

Regulation CC / Funds Availability

Explains Regulation CC, which implements the Expedited Funds Availability Act and sets how quickly banks must make deposited funds available to customers.

Regulation D / Savings Account Restrictions

Explains Regulation D, the Federal Reserve rule governing reserve requirements and the historical limits on certain withdrawals and transfers from savings accounts.

Regulation DD / Truth in Savings

Covers Regulation DD, which implements the Truth in Savings Act and requires clear disclosure of deposit account fees, interest rates, and annual percentage yields.

Regulation E

Explains Regulation E, which implements the Electronic Fund Transfer Act and protects consumers using debit cards, ATMs, and other electronic payment methods.

Regulation GG / Online Gambling Restrictions

Covers Regulation GG, which implements the Unlawful Internet Gambling Enforcement Act and requires banks to block payments tied to illegal online gambling.

Regulation Z / Truth in Lending

Explains Regulation Z, which implements the Truth in Lending Act and requires lenders to disclose credit terms, finance charges, and annual percentage rates.

Why is this training important for workplaces?

Anti-money laundering (AML) is crucial for maintaining the integrity of financial systems and preventing illegal activities. Implementing strong AML measures protects businesses from reputational damage, legal consequences, and financial losses. It ensures compliance with regulatory requirements and enhances trust among clients, investors, and stakeholders. By understanding and actively addressing money laundering risks, organizations can foster a safe and secure environment, safeguard their assets, and contribute to the overall stability of the financial ecosystem.

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