12 CFR Part 1030 - Truth in Savings (Regulation DD)

Most recently amended April 19, 2023

Regulation DD helps consumers comparison-shop for deposit accounts.

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

Additional resources

Consumer FAQs

Bank accounts and services

User notice

The Bureau launched this resource to provide an easier-to-navigate electronic format for many of its regulations. This resource is not an official legal edition of the Code of Federal Regulations or the Federal Register, and it does not replace the official versions of those publications. The Bureau has made every effort to ensure the material presented in this resource is accurate; if you are relying on it for legal research, please consult the official editions of those sources to confirm your findings.