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 § 524.901 - Investments

  1 provisions

  This section limits and allows certain investments by a state bank, including caps tied to aggregate capital and special permissions with superintendent approval.

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• United States — Iowa

  Iowa Code § 554.12404 - Obligation of beneficiary’s bank to pay and give notice to beneficiary

  1 provisions

  If a beneficiary’s bank accepts a payment order, it must pay the beneficiary and, in some cases, send notice by the required deadline.

  Notice Open & Chat

• United States — Iowa

  Iowa Code § 524.1409 - Conversion of national bank, federal savings association, out-of-state bank, or state or federally chartered credit union into state bank

  1 provisions

  Some banks and credit unions may convert into a state bank if they meet federal-law requirements, get the required director and shareholder approvals, give at least 10 days’ notice to shareholders, and obtain superintendent approval.

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• United States — Iowa

  Iowa Code § 524.1801 - Definitions

  1 provisions

  This section defines terms used in the subchapter, including bank holding company, company, control, location, and out-of-state bank holding company.

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• United States — Iowa

  Iowa Code § 554.4109 - Delays

  1 provisions

  A collecting bank may extend certain time limits by up to two extra banking days when acting in good faith to secure payment of a specific item.

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• United States — Iowa

  Iowa Code § 524.1808 - Insurance sales

  1 provisions

  Insurance activities in Iowa by an out-of-state bank holding company and its subsidiaries are regulated like those of an Iowa bank holding company, and a state-bank authorization does not grant them the right to do those activities outside Iowa.

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• United States — Iowa

  Iowa Code § 554.4406 - Customer’s duty to discover and report unauthorized signature or alteration

  1 provisions

  A customer must review account statements or items promptly and notify the bank about unauthorized payments, signatures, or alterations; otherwise the customer may lose the ability to challenge the item.

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• United States — Iowa

  Iowa Code § 524.605 - Liability of directors in certain cases

  1 provisions

  State bank directors can be held jointly and severally liable for certain unlawful dividends, asset distributions, loans, credit extensions, and investments; the superintendent may require escrow, and most liability claims must be brought within five years.

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• United States — Iowa

  Iowa Code § 524.207 - Expenses of the banking division — fees

  1 provisions

  The superintendent and banking division must route certain fees and moneys into the commerce revolving fund, make required payments to the state treasurer, report spending for certain settlements, and follow approval and notice rules for extra personnel spending.

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• United States — Iowa

  Iowa Code § 524.105 - Effect on existing banks

  1 provisions

  A state bank already operating on July 1, 1995 is not affected by this chapter’s amendment, and state banks must be subject to this chapter; certain other banks doing business in the state are also subject to it to the extent applicable from July 1, 2021.

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• United States — Iowa

  Iowa Code § 554.12211 - Cancellation and amendment of payment order

  1 provisions

  Rules on when a sender can cancel or amend a payment order, when the change is effective, and when acceptance or cancellation has legal consequences.

  Order Open & Chat

• United States — Iowa

  Iowa Code § 524.1406 - Appraisal rights of shareholders

  1 provisions

  Some objecting bank shareholders get appraisal rights, and in certain cross-bank mergers the resulting bank is liable for the shares’ value.

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• United States — Iowa

  Iowa Code § 554.4402 - Bank’s liability to customer for wrongful dishonor — time of determining insufficiency of account

  1 provisions

  A payor bank may dishonor an overdraft item unless it has agreed to pay it, and it is liable to the customer for damages caused by wrongful dishonor.

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• United States — Iowa

  Iowa Code § 524.1009 - Succession to fiduciary accounts and appointments — merger

  1 provisions

  When a bank merger involves fiduciary accounts, the resulting bank takes over those fiduciary roles automatically, and the relinquishing bank must give notice and publish it.

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• United States — Iowa

  Iowa Code § 554.4204 - Methods of sending and presenting — sending directly to payor bank

  1 provisions

  A collecting bank must send items by a reasonably prompt method, and it may send items directly to the payor bank or to certain nonbank payors if authorized. Presentment may also be made by a presenting bank at a requested place.

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• United States — Iowa

  Iowa Code § 524.217 - Examinations

  1 provisions

  The superintendent may examine state banks, trust companies, related corporations, and some related persons, and may share examination reports with specified regulators. Examination reports are generally confidential, and board members must confirm they read the report they receive.

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• United States — Iowa

  Iowa Code § 524.1809 - Mutual bank holding companies

  1 provisions

  A mutual bank holding company is subject to Iowa business corporation law, and the superintendent may adopt related rules.

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• United States — Iowa

  Iowa Code § 524.215 - Records of division of banking

  1 provisions

  Most banking division records are public, but records tied specifically to bank supervision and regulation are confidential and generally cannot be inspected, copied, subpoenaed, or used in court.

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• United States — Iowa

  Iowa Code § 524.224 - Grounds for order to cease business — appointment of receiver

  1 provisions

  The superintendent may order a state bank to stop doing business for listed reasons, and must immediately appoint the FDIC as receiver after doing so.

  Order Open & Chat

• United States — Iowa

  Iowa Code § 524.821 - Electronic transmission of funds — restrictions

  1 provisions

  A state bank may conduct certain electronic transactions and use satellite terminals, but only within the stated legal limits. It also may not force customers to use that method instead of ordinary checking, and may not charge them an extraordinary fee for choosing ordinary checks.

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