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 § 554.12209 - Acceptance of payment order

  1 provisions

  Banks accept payment orders at specific times, and a bank may have to pay interest after a late rejection notice.

  Order Open & Chat

• United States — Iowa

  Iowa Code § 554.4205 - Depositary bank holder of unendorsed item

  1 provisions

  If a customer gives an item to a depositary bank for collection, the bank becomes a holder when it receives the item if the customer was already a holder, even without endorsement, and the bank must warrant payment or deposit of the item amount to certain parties.

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• United States — Iowa

  Iowa Code § 524.1206 - Identification of legally chartered name of bank — required use of name

  1 provisions

  Banks must display their legally chartered name, or a reasonable variation, at Iowa locations, on electronic customer interfaces, and in legal documents.

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• United States — Iowa

  Iowa Code § 524.103 - Definitions

  1 provisions

  This provision defines many terms used in the chapter, such as account, administrator, control, and insolvent.

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• United States — Iowa

  Iowa Code § 554.4303 - When items subject to notice, stop-payment order, legal process, or setoff — order in which items may be charged or certified

  1 provisions

  A payor bank may handle items in any order, but late notice, legal process, stop-payment orders, or setoff do not stop or change its right or duty to pay or charge the customer’s account once the stated timing conditions are met.

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• United States — Iowa

  Iowa Code § 554.4302 - Payor bank’s responsibility for late return of item

  1 provisions

  A payor bank can be liable for the amount of a presented item if it misses the stated deadlines to pay, return, or give notice.

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• United States — Iowa

  Iowa Code § 524.803 - Business property of state bank

  1 provisions

  A state bank may acquire and hold certain property and shares, but some acquisitions need prior approval from the superintendent.

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• United States — Iowa

  Iowa Code § 554.12207 - Misdescription of beneficiary

  1 provisions

  Rules on mistaken beneficiary identification in payment orders: banks may rely on the account number in some cases, and certain parties may recover or must pay when the name and number conflict.

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• United States — Iowa

  Iowa Code § 554.4401 - When bank may charge customer’s account

  1 provisions

  A bank may charge a customer’s account for properly payable items, including some overdrafts and certain checks, but a customer may avoid liability in one overdraft case and can give postdating notice to limit a bank’s charging of a check.

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• United States — Iowa

  Iowa Code § 524.1101 - Definitions

  1 provisions

  This section defines when an entity counts as an affiliate of a state bank.

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• United States — Iowa

  Iowa Code § 554.4214 - Right of charge-back or refund — liability of collecting bank — return of item

  1 provisions

  A collecting bank may reverse a provisional settlement, charge back a customer, or seek a refund if it does not get final settlement and follows the timing rules; if it is late, it can still act but is liable for losses from the delay.

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• United States — Iowa

  Iowa Code § 554.12103 - Payment order — definitions

  1 provisions

  This provision defines key payment-order terms and says when a payment order exists.

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• United States — Iowa

  Iowa Code § 524.1007 - Succession of fiduciary accounts to another financial institution

  1 provisions

  A fiduciary bank may arrange for account succession, but the relinquishing bank must give notice, publish it, and file record notices before the change takes effect.

  Code Open & Chat

• United States — Iowa

  Iowa Code § 554.9341 - Bank’s rights and duties with respect to deposit account

  1 provisions

  A bank’s rights and duties for a deposit account are not changed just because a security interest is created, attached, perfected, known to the bank, or because the secured party gives instructions, unless another section applies or the bank agrees in a signed record.

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• United States — Iowa

  Iowa Code § 554.12202 - Authorized and verified payment orders

  1 provisions

  A receiving bank may treat a payment order as the customer’s order if the customer agreed to a security procedure and the procedure is commercially reasonable, and the bank acted in good faith and followed required steps.

  Order Open & Chat

• United States — Iowa

  Iowa Code § 263A.9 - Investment in bonds or notes by financial institutions

  1 provisions

  Certain banks, insurers, fiduciaries, and similar persons may invest funds they control in bonds or notes issued under this chapter.

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• United States — Iowa

  Iowa Code § 554.4104 - Definitions and index of definitions

  1 provisions

  This section defines banking and payment terms used in Article 4, and points to related definitions in other sections.

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• United States — Iowa

  Iowa Code § 524.804 - Data processing services

  1 provisions

  A state bank may provide related data processing services for others if it owns or leases equipment used for specified bank-service functions. A qualifying corporation owned by a state bank is authorized to perform data processing services for the bank and others.

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• United States — Iowa

  Iowa Code § 524.1308B - Unknown claims against dissolved state bank

  1 provisions

  A dissolved state bank may publish a notice of dissolution, but if it does, the notice must meet specific publication and content requirements and certain claims must be enforced within two years or be barred.

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• United States — Iowa

  Iowa Code § 524.811 - Adverse claims to property in safe deposit and safekeeping

  1 provisions

  A state bank generally does not have to recognize adverse claims to safe-deposit or safekeeping property unless there is a court order or required indemnity.

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