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 customer identification requirements for banks, including verification of identity for new signatories

Federal Reserve Board Regulations: Various regulations governing banking operations and account management, including signatory changes and account control

FDIC Regulations: Regulations from the Federal Deposit Insurance Corporation that may affect signatory changes, particularly for insured accounts

State Corporate Laws: State-specific legislation governing corporate operations and authority, varying by state of incorporation

State Banking Laws: State-specific banking regulations that may affect how signatory changes are handled within that jurisdiction

UCC Article 4: Uniform Commercial Code Article 4 governing bank deposits and collections, including authority and authentication requirements

E-SIGN Act: Federal law governing the validity of electronic signatures and records in banking and commerce

BSA/AML Requirements: Combined Bank Secrecy Act and Anti-Money Laundering requirements affecting changes in account control and signatory authority

OFAC Compliance: Office of Foreign Assets Control regulations requiring screening of authorized signatories against sanctions lists