[jjav]

> Banks have to hold up their end of the customer agreement (contract), and the terms of that agreement are enforced by contract law.

Right, but they can change those unilaterally whenever they feel like it. Multiple times a year I'll get an updated terms of service document from this or that bank.

[ssl-3]

So you can point to a bank's a customer agreement that is meaningfully different in this aspect compared to federal requirements for credit cards, then?

Or maybe you're just spilling FUD?

Just because a thing can change, doesn't mean that it will. (It doesn't even mean that it has ever changed.)