12 C.F.R. § 557.15 Who owns a deposit account?
Title 12 - Banks and Banking
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.
Title 12: Banks and Banking
PART 557—DEPOSITS
Subpart B—Deposit Activities of Federal Savings Associations
§ 557.15 Who owns a deposit account?