Esheria Regulatory Atlas

Banking and finance in United States — Iowa

Financial services, banking, payments, credit, securities, and regulated finance. These records come from release legal-2026.07.26-907 and link directly to stored legal text.

710 matching statutes

• United States — Iowa

  Iowa Code § 554.4105 - “Bank” — “depositary bank” — “intermediary bank” — “collecting bank” — “payor bank” — “presenting bank”

  1 provisions

  This provision defines several banking terms used in the Article.

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• United States — Iowa

  Iowa Code § 554.4212 - Presentment by notice of item not payable by, through, or at a bank; liability of drawer or endorser

  1 provisions

  A collecting bank may give notice instead of direct presentment for certain items, but the notice must be timely and the bank must satisfy any required response under section 554.3501.

  Notice Open & Chat

• United States — Iowa

  Iowa Code § 524.808 - Adverse claims to deposits

  1 provisions

  A state bank generally does not have to recognize an adverse claim to a deposit account unless the claimant serves a court order or gives a satisfactory indemnity bond.

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• United States — Iowa

  Iowa Code § 554.12505 - Preclusion of objection to debit of customer’s account

  1 provisions

  A customer generally cannot challenge a receiving bank’s right to keep a payment after receiving notice, unless the customer objects within one year.

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• United States — Iowa

  Iowa Code § 556.2 - Property held by banking or financial organizations or by business associations

  1 provisions

  Banking and financial organizations must notify inactive account owners after three years without qualifying contact.

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• United States — Iowa

  Iowa Code § 554.3104 - Negotiable instrument

  1 provisions

  This provision defines several kinds of negotiable instruments, including notes, drafts, checks, cashier’s checks, teller’s checks, traveler’s checks, certificates of deposit, and demand drafts.

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• United States — Iowa

  Iowa Code § 554.3206 - Restrictive endorsement

  1 provisions

  This section limits how restrictive endorsements affect an instrument, including rules for banks, purchasers, fiduciaries, and enforcement rights.

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• United States — Iowa

  Iowa Code § 554.4301 - Deferred posting — recovery of payment by return of items — time of dishonor — return of items by payor bank

  1 provisions

  A payor bank may revoke a settlement and recover payment on certain demand items if it acts before final payment and its midnight deadline and returns the item or sends proper notice of dishonor or nonpayment.

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• United States — Iowa

  Iowa Code § 633.87 - Deposit of money in banks

  1 provisions

  A fiduciary may deposit estate money and other estate assets in an Iowa-authorized bank.

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• United States — Iowa

  Iowa Code § 554.12507 - Choice of law

  1 provisions

  This provision sets which jurisdiction’s law governs rights and obligations in certain funds transfers and payment orders, unless the parties agree otherwise or a system rule applies.

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• United States — Iowa

  Iowa Code § 554.12406 - Payment by originator to beneficiary — discharge of underlying obligation

  1 provisions

  An originator must pay the beneficiary when the beneficiary’s bank accepts the payment order, subject to stated cross-references and limits.

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• United States — Iowa

  Iowa Code § 554.4504 - Privilege of presenting bank to deal with goods — security interest for expenses

  1 provisions

  A presenting bank may deal with goods reasonably if it asked for instructions after a documentary draft was dishonored and still did not receive them in a reasonable time. It also has a lien on the goods or proceeds for reasonable expenses.

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• United States — Iowa

  Iowa Code § 554.4106 - Payable through or payable at bank — collecting bank

  1 provisions

  An item marked “payable through” or “payable at” a named bank makes that bank a collecting bank, and the bank is not automatically authorized to pay the item.

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• United States — Iowa

  Iowa Code § 554.12208 - Misdescription of intermediary bank or beneficiary’s bank

  1 provisions

  A receiving bank may rely on an identifying number, or on a name in some cases, to identify an intermediary or beneficiary bank, and the sender must cover losses and expenses caused by that reliance.

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• United States — Iowa

  Iowa Code § 524.109 - Bankers’ bank authorized — authority to hold shares of bankers’ bank

  1 provisions

  A state bank may organize as a bankers’ bank, and a bankers’ bank has certain powers and is subject to general state-bank rules, with a limited exception.

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• United States — Iowa

  Iowa Code § 554.12302 - Obligations of receiving bank in execution of payment order

  1 provisions

  A receiving bank that accepts a payment order must execute it following the sender’s instructions, subject to the stated exceptions.

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• United States — Iowa

  Iowa Code § 524.606 - Removal of directors

  1 provisions

  Shareholders may remove directors at a specially called meeting, and the superintendent may pursue removal of a bank director after notice, a hearing opportunity, and specified findings.

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• United States — Iowa

  Iowa Code § 554.12502 - Creditor process served on receiving bank — setoff by beneficiary’s bank

  1 provisions

  The section defines “creditor process” and gives rules for how banks may handle payment orders, account credits, setoff, withdrawal, and rejection when creditor process is served.

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• United States — Iowa

  Iowa Code § 524.1006 - Banks depositing securities in federally regulated corporation

  1 provisions

  Banks in these roles may deposit certain securities in a federally regulated clearing corporation or a federal reserve bank, and they must keep records identifying the persons for whom securities are deposited.

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• United States — Iowa

  Iowa Code § 554.12403 - Payment by sender to receiving bank

  1 provisions

  This provision says when a sender’s payment obligation to a receiving bank counts as paid, including through settlement, account credits, debit entries, and setoff.

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