Section 9. Any person affected by an order, rule or regulation of the department may appeal to the associate commissioners within such time as they by vote may fix, but not less than ten days after notice of the order or the taking effect of the rules or regulations. The associate commissioners shall thereupon give a hearing, and thereafter may amend, suspend or revoke such order, rule or regulation. Pending the hearing the commissioner may suspend the order, rule or regulation appealed from.

This section of the Massachusetts General Law requires banks, including savings banks, co-operative banks, and trust companies, to comply with various federal laws and regulations. The specific federal laws and regulations that banks must comply with include the federal Expedited Funds Availability Act, the federal Fair Credit Billing Act, the federal Electronic Fund Transfer Act, regulations of the federal banking agency governing safeguarding of monies and securities, regulations governing minimum security devices and procedures and Bank Secrecy Act compliance, regulations governing loans to executive officers, directors, or principal shareholders of a bank, and other applicable federal regulations.

This section of the Massachusetts General Law governs the honoring and cashing of checks presented by pensioners or retirees by banks in the commonwealth. It applies to all banks doing business in the commonwealth, except for internet banks, national banks, national banking associations, federal savings banks, federal savings and loan associations, and federal credit unions. The conditions for honoring and cashing the checks include the pensioner or retiree being a resident of the commonwealth, providing adequate identification information, and the check being issued as a social security, supplemental security income, or retirement benefit by the federal government or the commonwealth.

The provided legal document content covers a wide range of topics related to the supervision of banks. It includes provisions on the appointment of compliance review supervisors, confidentiality of compliance review documents, fair lending laws, honoring and cashing of checks presented by pensioners or retirees, examination and inspection of foreign banks and out-of-state banks, treatment of unclaimed dividends and funds resulting from the liquidation of institutions, declaration of dividends and objections to claims, appointment of conservators for banks, and the closing of banks.

The provided legal document content covers various aspects related to bank holding companies. It includes provisions for the confidentiality of information in applications filed with the board of bank incorporation, the registration process for bank holding companies, the authority to act under Section 2, the activities of banking institutions that are subsidiaries of a bank holding company, violations of regulations and orders issued by the commissioner related to bank holding companies, criteria for determining whether a company qualifies as a bank holding company, acts that do not require approval by the board, and acts that require prior written approval by the board of bank incorporation.

These legal documents, governed by the Massachusetts General Law, cover various aspects of electronic branches and electronic fund transfers. They include provisions for the assessment of electronic branches, determination of assessment rates, and the responsibility of owners or lessors to pay assessments. The documents also address violations related to electronic branches and electronic fund transfers, including giving false or inaccurate information, failure to provide required information, and non-compliance with provisions. Fraudulent activities such as making false statements, unauthorized use or possession of access devices, obtaining money or goods through misrepresentation, and unauthorized use of electronic funds transfer systems are also covered.

These legal documents cover various aspects related to bank locations and operations in Massachusetts. They include provisions for the authorization of out-of-state banks, out-of-state federal banks, and foreign banks to act in a fiduciary capacity. The commissioner has the authority to grant a certificate of authorization to these banks, subject to certain conditions. The documents also govern the establishment and maintenance of branches by foreign banks, out-of-state banks, and out-of-state federal banks.

Section 6. No bank shall assess a fee, charge or other assessment against an account, established for personal, family or household purposes, of a depositor who, as the payee of a check, draft or money order, of which the payee is not also the maker, deposits the same therein and payment on any such instrument is refused by the depository institution upon which it is drawn because of insufficient funds or because the maker thereof did not have an account at such depository institution; provided, however, that a bank may assess a reasonable fee, charge or assessment that represents its direct costs, as established annually by the commissioner, incurred for processing such check, draft or money order.

Section 7. A bank or federally-chartered bank which accepts a deposit for demand deposit or other account subject to withdrawal by negotiable or transferable instrument for the purpose of making a transfer to a third party shall, if requested by the depositor, provide without charge not less than 25 cancelled instruments or legible copies of the fronts and backs thereof per calendar year; provided, that, if requested by a depositor who is blind, the bank shall make additional accommodations to provide additional cancelled instruments or information thereon as is possible in accordance with the federal Check Clearing for the 21st Century Act, 12 U.

The provided legal document content covers various aspects related to deposits and accounts in the context of Massachusetts General Law. It includes provisions for the recognition of adverse claimants to deposits, repayment of deposits made at foreign branches, ability to set off or recoup deposits against debts, notification of transfer of funds to reduce debts, designation of beneficiaries in retirement plans, exculpation of banks when paying deposits to unauthorized persons, handling of lost or stolen passbooks or instruments, establishment of accounts for security deposits and condominium funds, procedures for handling unusual demands for withdrawals, payment of deposits belonging to deceased depositors, giving collateral for deposits, provision of cancelled instruments to depositors, assessment of fees for returned checks, establishment of savings promotion raffles, establishment of limited access deposit accounts, and establishment of demand deposit and savings accounts for certain age groups.