Real ChatGPT answer · index seed4l5ObUKUnnMcompleteFinance and banking · checking and savings accountsinformational
What legal obligations does a financial institution have to preserve historical electronic statements after an account holder voluntarily closes their checking relationship?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What legal obligations does a financial institution have to preserve historical electronic statements after an account holder voluntarily closes their checking relationship?
4 real searches · 1 real-search pass
U.S. bank closed account retention historical electronic statements Regulation E two years Regulation DD record retention BSA five years official regulationsGoogle ↗
OBSERVED
12 CFR 1005.9(b) retain evidence compliance two years account closed electronic statementsGoogle ↗
OBSERVED
31 CFR 1010.430 records retention five years bank records officialGoogle ↗
OBSERVED
Texas bank record retention closed deposit account statements electronic records lawGoogle ↗
OBSERVED
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.
Classifying 4 queries…
Searches and sources
ChatGPT4 real searches · gpt-6
U.S. bank closed account retention historical electronic statements Regulation E two years Regulation DD record retention BSA five years official regulations Google ↗
12 CFR 1005.9(b) retain evidence compliance two years account closed electronic statements Google ↗
31 CFR 1010.430 records retention five years bank records official Google ↗
Texas bank record retention closed deposit account statements electronic records law Google ↗
- § 1010.430 31 CFR Ch. X (7–1–24 Edition) · govinfo.gov
- FFIEC BSA/AML Appendices - Appendix P · bsaaml.ffiec.gov
- SECTION 1020.220—Customer Identification Program Requirements for Banks · federalreserve.gov
- Official Staff Commentary on Regulation E · federalreserve.gov
- § 1030.9 Enforcement and record retention. · consumerfinance.gov
- Texas Constitution and Statutes · statutes.capitol.texas.gov
- VI-3 Truth in Savings · fdic.gov
- Consumer Compliance Handbook, October 2025 · federalreserve.gov
- Texas Constitution and Statutes · statutes.capitol.texas.gov
- BUSINESS AND COMMERCE CODE CHAPTER 322. UNIFORM ELECTRONIC TRANSACTIONS ACT · tcss.legis.texas.gov
- § 1005.18 Requirements for financial institutions offering prepaid accounts. · consumerfinance.gov
- § 1005.9 Receipts at electronic terminals; periodic statements. · consumerfinance.gov
- Submit a consumer complaint · consumerfinance.gov
- HelpWithMyBank · helpwithmybank.gov
- Texas banking regulator · dob.texas.gov
Queries
4 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
U.S. bank closed account retention historical electronic statements Regulation E two years Regulation DD record retention BSA five years official regulations OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
12 CFR 1005.9(b) retain evidence compliance two years account closed electronic statements OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
31 CFR 1010.430 records retention five years bank records official OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
Texas bank record retention closed deposit account statements electronic records law OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |