Traditional banking regulation is well understood and appreciated, or at least tolerated, by bank management. But other forms of regulation have been required by the Congress in the last three or so decades. One class of regulations is concerned mostly with ensuring that banking institutions serve their communities by addressing possible instances of discrimination and, more recently, by assisting law enforcement.
Examples are regulations adopted to carry out provisions of the Equal Credit Opportunity Act (ECOA), the Community Reinvestment Act (CRA), the Home Mortgage Disclosure Act (HMDA), and, the Bank Secrecy Act (BSA).