Deposit accounts include:

  • Savings accounts
  • Checking (demand deposit) accounts
  • Money market accounts
  • Certificates of deposit (CDs)
  • Variable-rate accounts
  • Accounts denominated in a foreign currency

The regulation requires institutions to disclose information about:

  • Annual percentage yield (APY)
  • Interest rates
  • Minimum-balance requirements
  • Account-opening disclosures
  • Fee schedules

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