The Law and Regulation of Financial Institutions

Complex issues are accessible with The Law and Regulation of Financial Institutions, including evolving areas such as IT regulations for financial institutions.

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ISBN: 9780769878799
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ISBN: 9780769880211
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Regulation of Financial Institutions


"In the financial institutions law area, actions by regulatory agencies are frequent and extensive. In addition, Congress and the state legislatures are engaged in consideration of new laws on many aspects of banking, and state and federal courts are constantly issuing significant decisions." -- Milton Schroeder

The Law and Regulation of Financial Institutions provides a practical guide to and analysis of all the major laws and regulations governing financial institution transactions and compliance. It covers the basic principles underlying the law and regulation of financial institutions, explains the laws that control and limit the activities of such institutions, and identifies the legal rights and duties that apply to financial institution transactions involving checks, credit cards, electronic transfers, consumer credit, secured financing, letters of credit, and bankruptcy. It is an excellent research tool, offering detailed descriptions of key judicial decisions, statutes, legislative history, and regulations. Extensive references to law reviews, professional journals, and other secondary sources are included.

The following are examples of the many topics treated in depth:

  • Financial services reform under the Dodd-Frank Act
  • Consumer Financial Protection Bureau (CFPB) enforcement of consumer financial protection laws
  • Bank and savings and loan holding company regulation
  • Branching and interstate banking
  • Supervision of bank safety and soundness
  • Securities activities of banks and bank holding companies
  • Capital adequacy and prompt corrective action standards
  • Regulatory enforcement powers and regulation of funds availability, check collection, fund transfers, electronic banking, and other areas
  • Civil liability of institution-affiliated parties
  • Federal deposit insurance
  • Insolvency and reorganization of depository institutions
  • Customer privacy rights
  • Consumer credit, credit discrimination, and interest rate regulation
  • The network of laws designed to deter money laundering and terrorist financing
  • Articles of the Uniform Commercial Code (UCC) dealing with negotiable instruments, bank collection of items, fund transfers, letters of credit, and secured transactions 

To obtain an authoritative guide to the bewildering maze of statutes, cases, rules, and administrative policies that apply to your financial institution's activities, order The Law and Regulation of Financial Institutions today!

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Table of contents

Table of Contents


Part I The Regulation of Banking

Introduction to Banking Regulation

1A Financial Services Reform 2010

2 U.S. Banking System

3 Financial Stability and the Federal Reserve System

4 Organization and Powers of National Banks and Insured State Banks

5 Bank Holding Companies

6 Regulation of Bank Expansion Through Branching and Interstate Banking

7 Supervision of Bank Safety and Soundness

7A Enforcement of Federal Consumer Financial Protection Law

8 Securities Activities of Banks and Bank Holding Companies

9 Capital Adequacy and Prompt Corrective Action


Regulatory Enforcement Powers and Civil Liability of Institution-Affiliated Parties

11 Federal Deposit Insurance

12 Insolvency and Reorganization of Depository Institutions and Financial Companies

13 Money Laundering, Terrorist Financing, and Duty to Record and Report Transactions

Part II Payment and Credit Transactions: Basic Principles

Sources of Commercial Banking Law

15 Negotiable Instruments and Holders in Due Course

16 Letters of Credit, Documents of Title, and Investment Securities

17 Noncheck Payment Systems: Electronic Transfers of Funds and Credit

18 The Bank-Customer Relationship

18A The Use and Misuse of Customer Information: Customer Rights to Privacy and Information Confidentiality


Bank Collection and Payment

20 Secured Transactions

21 Debtor Default and Enforcement of Security Agreements

22 Consumer Credit and Interest Rate Regulation

23 Bankruptcy

Table of UCC Sections

Table of USC Sections

Table of Cases