Real ChatGPT answer · index seed3bC7HAAK5gAcompleteFinance and banking · checking and savings accountsinformational
How long do banks legally retain electronic statements online before archiving them, and can I still request older records from closed accounts?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How long do banks legally retain electronic statements online before archiving them, and can I still request older records from closed accounts?
1 real search · 1 real-search pass
United States federal bank record retention requirements electronic statements closed accounts E-SIGN Regulation E Bank Secrecy Act five years OCC FDICGoogle ↗
OBSERVEDConsequence
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (1)
Classes come from the query-classifier (a local Laya model). 1 of 1 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT1 real searches · gpt-6
United States federal bank record retention requirements electronic statements closed accounts E-SIGN Regulation E Bank Secrecy Act five years OCC FDIC Google ↗
- How long must banks keep deposit account records? · www2.helpwithmybank.gov
- FFIEC BSA/AML Appendices - Appendix P · bsaaml.ffiec.gov
- 12 CFR § 1030.9 - Enforcement and record retention. | Electronic Code of Federal Regulations (e-CFR) | US Law · law.cornell.edu
- X-3 The Electronic Signatures in Global and National Commerce Act (E-Sign Act) · fdic.gov
- Consumer Compliance Examination Manual · fdic.gov
- Office of the Comptroller of the Currency (OCC) · helpwithmybank.gov
- Consumer Financial Protection Bureau (CFPB) · consumerfinance.gov