🇺🇸 Live Banking & Financial Services

Regulation DD (12 CFR 1030)

Requires depository institutions to provide uniform disclosures about interest rates, fees, and terms for deposit accounts so consumers can make informed comparisons. Applies to banks, savings associations, and credit unions.

View official source document

Rules extracted

152

Obligations decomposed

13.8x

Avg obligations per rule

🇺🇸 United States

Jurisdiction

What AuditDSS covers

Source

Regulation

Extracted

Rules

Decomposed

152

Obligations

13.8x

Decomposition ratio

Each rule is decomposed into an average of 13.8 atomic obligations — the smallest testable units that can be independently violated.

Fully extracted & scored

All 152 obligations have been decomposed, titled, risk-scored, and embedded for semantic matching.

Risk scoring

Every obligation in Reg DD is scored across independent risk dimensions:

Obligation Weight

How critical within the regulatory framework

Violation Likelihood

How often breached in practice

Enforcement Evidence

Regulator enforcement history and penalties

Cascade Dependency

How many obligations depend on this one

Regulatory details

Full title: Regulation DD (12 CFR 1030)
Regulatory body: Consumer Financial Protection Bureau
Jurisdiction: 🇺🇸 United States
Document type: regulation
Effective date: June 21, 1993
Industry: Banking & Financial Services
Official source: View source document ↗

Who this applies to

depository institutionsbanks offering deposit accountscredit unionssavings associations

Key requirements

truth in savings disclosures
account opening disclosures
periodic statement requirements
advertising standards
rate and fee disclosures

Frequently asked questions about Reg DD

What is Reg DD?

Who does Reg DD apply to?

Reg DD applies to depository institutions, banks offering deposit accounts, credit unions, savings associations.

How many obligations does Reg DD contain?

AuditDSS has decomposed Reg DD into 152 atomic obligations from 11 rules. Each obligation is independently testable and risk-scored.

What are the key requirements of Reg DD?

The key requirements include: truth in savings disclosures, account opening disclosures, periodic statement requirements, advertising standards, rate and fee disclosures.

How can I assess my Reg DD compliance?

Upload your compliance policy to AuditDSS. The platform maps your document against all 152 Reg DD obligations using deterministic AI scoring — not checklists or LLM summaries. You get a risk-scored gap analysis showing exactly which obligations are covered, partially covered, or missing.

Which jurisdiction enforces Reg DD?

Reg DD is enforced in United States by Consumer Financial Protection Bureau.

When did Reg DD come into effect?

Reg DD became effective on June 21, 1993.

What industry does Reg DD apply to?

Reg DD is primarily relevant to the Banking & Financial Services industry. AuditDSS covers 105 regulations in this industry sector.

Build a Reg DD compliance pack

Don't have a compliance policy yet? AuditDSS generates a complete compliance pack for Reg DD — alone or combined with other regulations your business needs. Every clause is mapped to specific obligations.

Policy

High-level commitments and governance framework covering Reg DD requirements.

Procedures

Step-by-step operational procedures to implement each policy commitment.

Forms & checklists

Ready-to-use forms, registers, and checklists for day-to-day compliance operations.

Multi-regulation

Combine Reg DD with other regulations into a single unified compliance pack for your business.

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Already have a policy? Assess it against Reg DD

Upload your document

Upload your compliance policy, program manual, or operational document. AuditDSS accepts any text-based document.

AI maps against 152 obligations

Your document is scored against every obligation in Reg DD. Each claim is mapped to the obligation tree and evaluated for coverage.

Risk-scored gap report

Receive every gap ranked by risk priority with remediation guidance, enforcement evidence, and cascade impact analysis.