Not sure who is your regulator, but the FDIC Supervisory Insights Vol 8 Issue 2 Winter 2011 should help.
FDIC Doc Go to the link "Mobile Banking Rewards and Risks"
BOL Thread This thread discusses which Regs apply to the deposited items. It's based on your processor.
• ACH transaction – Covered by Reg. E and NACHA
• IRD – Covered by Check 21, Reg. CC and UCC Article 3
• Image – Determined by contract or, if there are no contract provisions, then UCC Article 3.