Regulation DD implements the Truth in Savings Act, which Congress passed to help consumers make informed decisions about deposit accounts at different financial institutions through the use of uniform disclosures. The law requires FIs to provide account disclosures, so that consumers can make meaningful comparisons among different institutions. It also imposes requirements on how deposit accounts may be advertised and how interest on accounts may be calculated. So really, Regulation DD forces truth in advertising and protects the consumer. In this program, we are going to cover all of the different disclosures required by Regulation DD.