ICBA - Industry Resources - Payments Resource Center - Payment Systems Access and Governance

Payments Regulations

Regulation D- Reserve Requirements of Depository Institutions
Sets uniform requirements for all depository institutions to maintain reserve balances either with their Federal Reserve Bank or as cash.  Regulation (GPO) | Recent amendments | Compliance guide

Regulation E- Electronic Fund Transfers
Establishes the rights, liabilities, and responsibilities of parties in electronic funds transfers and protects consumers when they use such systems.  Regulation (GPO) | Recent amendments | Compliance guide

Regulation J- Collection of Checks and Other Items by Federal Reserve Banks and Funds Transfers through Fedwire
Establishes procedures, duties, and responsibilities among (1) Federal Reserve Banks, (2) the senders and payors of checks and other items, and (3) the senders and recipients of Fedwire funds transfers. Regulation (GPO) | Recent amendments | Compliance guide

Regulation Z- Truth in Lending
Prescribes uniform methods for computing the cost of credit, for disclosing credit terms, and for resolving errors on certain types of credit accounts. Regulation (GPO) | Recent amendments | Compliance guide

Regulation CC- Availability of Funds and Collection of Checks
Governs the availability of funds deposited in checking accounts and the collection and return of checks. Regulation (GPO) | Recent amendments
Compliance guide | Compliance with Regulation CC: A Guide for Financial Institutions

Regulation DD-Truth in Savings
Requires depository institutions to provide disclosures to enable consumers to make meaningful comparisons of deposit accounts. Regulation (GPO) | Recent amendments | Compliance guide

Regulation GG- Prohibition on Funding of Unlawful Internet Gambling
Requires U.S. financial firms that participate in designated payment systems to establish and implement policies and procedures reasonably designed to prevent payments connected to unlawful Internet gambling. Regulation (GPO) | Press release and notice  | Compliance guide

Regulation II- Debit Card Interchange Fees and Routing
Establishes standards for debit card interchange fees and prohibits payment card network exclusivity arrangements and routing restrictions for debit card transactions (effective Oct. 1, 2011)
Regulation (GPO) | Press release and notice | Compliance guide | Frequently asked questions

Date Title Source/Publication
03/08/2016 Payment Systems Access and Governance Policy Resolution
04/15/2015 Support for Senate Payments Innovation Caucus Letter to Congress
06/06/2014 Industry Letter on Electronic Fund Transfers (Regulation E) Industry Letter to Regulators
04/08/2014 ICBA: “Operation Choke Point” Chokes Off Consumer and Business Access to Payment Systems News Release

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