Banking laws

Can the principal owner of a TOD account terminate the account without permission of the beneficiary?

I have companies asking me to post a post dated check what are the federal and state laws in Michigan regarding post dated checks? banks are stating it is federal law that that cannot be done, the collectors argue that is is common practice & legal. I need to know in detail the law and the code so next time I have it verbatim. I ask because I am taking over my 77 yr old mother & just became her durable power (Agent) and this has been a common practice of hers. I feel it is not legal, even though both parties agree.

Can a bank allow a withdrawal of over $100,000. on a joint account with out the consent of both signatories?

I put a stop payment on a check given to a contractor to complete masonry work at my home. The 'check cashing' entity wants me to pay since they cashed the check. However, my bank honored the stop payment which was made 3 business days after I had written the check. What is my liability?

TD F 90-22.1 (rev. 10-2008) states under General Definitions: Account in a Foreign Country: 'Do not report any account maintained with a branch, agency, or other office of a foreign bank (or)_ other institution that is located in the United States'.What constitutes 'branch, agency, or other office of a foreign bank (or) other institution that is located in the United States'?For example, if money is wired to a legitimate United States financial institution located in an account owned by the foreign entity of which a commodity is to be purchased, does that foreign entity fall under the exemption for reporting on TD F 90-22.1?_(or) is typed of in the printed definition on the form which is assumed to be a typo after reviewing TD F 90-22.1 07/2000 similar definition which also appears to have a typo in another part of the sentence.