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Credit / Debit, Checking and Gift Card Laws : Ohio and Federal: Checking Accounts

US Code

12 US Code Secs. 5001-5018
The Check 21 Act, allows for electronic checks.
15 U.S.C. §§ 1693-1693r
The Electronic Fund Transfers Act

Ohio Revised Code

Oh. Rev. Code Chapter 1303
Commercial paper
Oh. Rev. Code Chapter 1304
Bank deposits and collections

CFR

12 CFR Part 229
AVAILABILITY OF FUNDS AND COLLECTION OF CHECKS (REGULATION CC)

CFR Proposed Rules

Proposed 12 CFR Parts 1005 and 1026 (2024)
Would limit overdraft fees to $3.

Links

Accessing Banking Services for Immigrants
MoneyGeek.com, last visited 7/15/24
Checking Accounts: Understanding Your Rights
Office of the Comptroller of the Currency
Scammers Are Stealing Billions From Americans’ Bank Accounts. Here’s What You Need to Know.