---
kind: "section"
citation: "12 C.F.R. § 157.15"
title: "12"
number: "157.15"
heading: "Who owns a deposit account?"
url: "https://uscodex.org/cfr/12/157.15"
---

# §157.15. Who owns a deposit account?


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.


## Notes

### Authority

Authority: 12 U.S.C. 1462a, 1463, 1464, 5412(b)(2)(B).

### Source

Source: 76 FR 49025, Aug. 9, 2011, unless otherwise noted.