UCC Article 4: Uniform Commercial Code Article 4 governing bank deposits and collections, which provides the legal framework for deposit operations and bank-customer relationships

Federal Reserve Regulation CC: Regulation establishing rules for funds availability, collection of checks, and return of checks by banks

Bank Secrecy Act: Federal law requiring financial institutions to assist government agencies in detecting and preventing money laundering

USA PATRIOT Act Section 326: Legislation requiring financial institutions to implement Customer Identification Programs to verify customer identity during account opening and transactions

KYC Regulations: Know Your Customer regulations requiring banks to verify customer identity and assess risk levels

Uniform Power of Attorney Act: State-adoptable law governing the creation and use of power of attorney, relevant for authorization delegations

Federal Deposit Insurance Act: Federal law establishing the FDIC and setting forth basic banking regulations and deposit insurance requirements

Electronic Fund Transfer Act: Federal law providing a framework for establishing rights and responsibilities of participants in electronic fund transfer systems

State Banking Laws: Individual state-specific banking regulations and requirements that may affect authorization letters and deposit procedures

Documentation Requirements: State-specific requirements for document notarization and signature verification standards for banking authorizations