There are many state and federal laws and implementing regulations that require financial institutions to provide specific disclosures either to customers or the public-at-large. In addition, financial institution regulators have the authority to require disclosures, particularly with regard to safety and soundness issues.
This section of the NBA Compliance Handbook is somewhat limited in scope. The articles that follow address the public disclosure rules regarding the Community Reinvestment Act, financial disclosure to the public, required bank lobby signs and the disclosure of bank hours and holidays. You will note that these types of disclosure laws apply to financial institutions regardless of what products and services are offered to the public. On the other hand, those laws and regulations relating to specific loan, deposit or other products offered by financial institutions may be found elsewhere in the Handbook within the descriptive articles covering such specific topics.