For financial institutions with branches in multiple states, do you have account agreements and disclosures based on the state law where the branch is located, or do you use the agreements/disclosures based on the state law where your main branch is located? I am newer to compliance, and our bank has recently opened a branch out of state. I want to ensure that our disclosures for these accounts are correct and know if any changes need to be made. Any comments are appreciated.

This would be a question for your legal counsel familiar with the laws in the various states where you have branches.