Retail Bank
An open reference work on consumer banking in the United States
https://retailbank.org/
2026-05-16T00:00:00Z
The Editors
https://retailbank.org/about/
© 2026 Retail Bank · CC BY 4.0
Regulations index
https://retailbank.org/reference/regulations-index/
2026-05-16T00:00:00Z
2026-05-01T00:00:00Z
Every consumer-banking regulation referenced on this site, with the full citation, the issuing agency, and a plain summary.
Glossary
https://retailbank.org/reference/glossary/
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2026-05-01T00:00:00Z
Working definitions of every term used across the site.
FDIC deposit insurance
https://retailbank.org/foundations/fdic-deposit-insurance/
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2026-05-04T00:00:00Z
How federal deposit insurance works: the $250,000 limit, the ownership categories, and what happens when a bank fails.
Regulation E: electronic transfers and fraud
https://retailbank.org/rights/regulation-e/
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2026-05-15T00:00:00Z
The federal rule giving consumers protection against unauthorized electronic transfers, and the unauthorized-versus-authorized distinction.
Disputing a fraudulent transaction
https://retailbank.org/rights/disputing-fraud/
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2026-05-15T00:00:00Z
A practical step-by-step guide to disputing fraudulent transactions by payment channel.
Why overdraft fees persist
https://retailbank.org/essays/why-overdraft-fees-persist/
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2026-05-15T00:00:00Z
An argument that overdraft fees are a structural feature of U.S. retail-deposit economics, not a regulatory oversight.
Are challenger banks real banks?
https://retailbank.org/essays/are-challenger-banks-real-banks/
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The legal answer (mostly no) and the practical answer (it depends on what you need from a bank).
Why U.S. payments are slow
https://retailbank.org/essays/why-us-payments-are-slow/
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2026-05-15T00:00:00Z
Why the U.S. lagged the U.K. and EU on real-time payments by a decade, and what FedNow does and does not change.
Is your money safer at a big bank or a credit union?
https://retailbank.org/essays/big-bank-vs-credit-union-safety/
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The honest answer requires separating four senses of "safer" — insurance, liquidity, governance, and operational risk.
2023: SVB, Signature, First Republic
https://retailbank.org/industry/2023-banking-turmoil/
2026-05-16T00:00:00Z
2026-05-15T00:00:00Z
Three U.S. mid-size bank failures, the uninsured-deposit dynamics that drove them, and the supervisory rewrites that have followed.