Banks are an essential part of daily financial operations, from personal savings and checking accounts to loan products and investment vehicles. The governing bodies that implement and enforce banking laws include several different administrative agencies and quasi-governmental organizations such as the Office of the Comptroller of the Currency, the Federal Reserve, and the Federal Deposit Insurance Corporation. Credit unions are regulated by the National Credit Union Administration. These various entities control the banking industry from the oversight of deposit insurance protection in the event a bank fails, to the rules regarding ATMs fees. To learn more about the rules and protections in place under banking law, explore the links to articles and answers to frequently asked questions on this page.