Deposit Compliance Overview, Regulation D and Regulation DD

Step Type: Text

What learners will learn: An overview of regulations and deposit compliance requirements.

Step Description:
This resource outlines the importance of deposit compliance and introduces key consumer protection laws that financial institutions must follow.

Summary of Content:
This step introduces deposit compliance and the FDIC’s role in supervising non-member state-chartered banks. It outlines federal regulations that govern disclosures, error resolution, advertising, and specific rules related to reserve requirements, account transparency, fund availability, and electronic transfers.

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Step Type: True or False

What learners will learn: An overview of deposit compliance regulations.

Step Description:
This step uses active recall to reinforce foundational facts about deposit compliance regulations and their purpose in protecting consumers.

Summary of Content:
Learners assess their knowledge of the FDIC’s role, coverage limitations, and required disclosures under deposit-related consumer protection laws.

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Step Type: MultiChoice

What learners will learn: An overview of relevant deposit compliance regulations.

Step Description:
This step focuses on regulations such as Regulation D, DD, CC, and E, allowing learners to actively apply their understanding of key compliance rules.

Summary of Content:
Learners select correct interpretations of each regulation, focusing on objectives, limitations, and consumer protections.

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Step Type: Text

What learners will learn: An overview of Regulation D.

Step Description:
This resource explains the reserve requirements outlined in Regulation D and their importance to financial institution liquidity.

Summary of Content:
This step explains Regulation D, which implements Section 19 of the Federal Reserve Act. It defines which institutions and liabilities are subject to reserve requirements, how reserve requirements are calculated and satisfied, and provides definitions for transaction accounts, time deposits, and savings deposits.

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Step Type: Streak

What learners will learn: Regulation D's scope and implementation.

Step Description:
This step helps learners reinforce their understanding of the entities, accounts, and obligations involved in Regulation D.

Summary of Content:
Through a sequence of questions, learners examine the definition of depository institutions, covered liabilities, and reporting requirements.

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Step Type: MultiChoice

What learners will learn: An overview of Regulation D's covered deposits and liabilities.

Step Description:
This step enables learners to differentiate between types of deposits and account characteristics as defined under Regulation D.

Summary of Content:
Learners explore how Regulation D classifies demand deposits, NOW accounts, time deposits, and savings deposits.

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Step Type: Polygraph

What learners will learn: Reserve requirements mandated by Regulation D.

Step Description:
This step reinforces how reserve requirements are calculated and satisfied by financial institutions.

Summary of Content:
Learners match concepts to terms, learning how reserve balances are held, the role of vault cash, and the purpose behind these rules.

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Step Type: Text

What learners will learn: An overview of Regulation DD.

Step Description:
This step introduces Regulation DD, which enforces the Truth in Savings Act (TISA), and explains how it improves transparency for consumers.

Summary of Content:
This step explains Regulation DD, which implements the Truth in Savings Act (TISA). It outlines the purpose of TISA in promoting transparency and consumer comparisons of deposit accounts, describes disclosure requirements, and notes the preemption of inconsistent state laws.

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Step Type: True or False

What learners will learn: The scope and purpose of Regulation DD.

Step Description:
This step uses active recall to check learners’ understanding of Regulation DD’s goals and required disclosures.

Summary of Content:
Learners explore how Regulation DD was created to implement TISA, ensure transparency, and override conflicting state laws.

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Step Type: Streak

What learners will learn: Additional facts regarding Regulation DD.

Step Description:
Learners review historical context and key provisions of the Truth in Savings Act to reinforce their understanding of Regulation DD.

Summary of Content:
This step reviews TISA’s origins, purpose, applicable accounts, disclosure mandates, and consumer benefits.

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Step Type: Crossword

What learners will learn: An overview of the Deposit Compliance, Regulation D and Regulation DD course.

Step Description:
This crossword encourages learners to actively recall and connect terminology from the course modules.

Summary of Content:
Learners reinforce their memory of key terms and definitions across the deposit compliance curriculum, covering regulations and agency roles.

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