{"data":{"id":"us/12-cfr-157.15","jurisdiction":"us","citation":"12 CFR 157.15","heading":"Who owns a deposit account?","body":"You may treat the holder of record as the account owner, even if you receive contrary notice, until you transfer the account on your records.","path":["Title 12—Banks and Banking","CHAPTER I—COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY","PART 157—DEPOSITS"],"source_url":"https://www.ecfr.gov/api/versioner/v1/full/2026-08-25/title-12.xml","current_through":"2026-08-25","vintage":"","retrieved_at":"2026-08-27T02:24:16Z","sha256":"b566466cae161ff20e112801467a1709a0db358ac6cd38a168d9368b7ea0bdc6","source_id":"us-cfr","stale":true,"prev":"us/12-cfr-157.14","next":"us/12-cfr-157.20"},"notice":"GroundRules: Original legal text. Not legal advice."}