Banking law is the body of law (statutes, regulations) that governs how banks and other financial institutions operate their businesses. Banking is a highly-regulated industry, and banks must comply with federal, state, and local laws and regulations.

For example, most banks are required to comply with the Federal Deposit Insurance Corporation (FDIC) laws and regulations; the Dodd-Frank Wall Street Reform and Consumer Protection Act; the regulations of the Board of Governors of the Federal Reserve System (the Fed); the regulations of the Office of the Comptroller of the Currency (OCC); and state laws and regulations. Many of the applicable banking regulations are located in the Code of Federal Regulations, beginning at 12 CFR §1.1.

In California, banking law encompasses the rules and regulations that govern the operation of banks and financial institutions. These entities are subject to a complex framework of federal and state oversight designed to ensure stability, compliance, and consumer protection. Federally, banks must adhere to regulations set forth by the Federal Deposit Insurance Corporation (FDIC), which insures deposits and oversees financial practices. The Dodd-Frank Act provides a comprehensive set of reforms aimed at reducing risk in the financial system, including consumer protection measures. The Federal Reserve (the Fed) and the Office of the Comptroller of the Currency (OCC) also impose regulations affecting monetary policy, bank operations, and overall financial stability. At the state level, California banks are regulated by the California Department of Business Oversight, which enforces state laws pertaining to financial services and consumer protection. The specific federal regulations governing banking practices can be found in the Code of Federal Regulations starting at 12 CFR §1.1. California banks must navigate this dual regulatory system to ensure full compliance with all applicable laws.