by Randy Carey: http://www.fms.treas.gov/greenbook/guidelines_garnish0311.pdf
by John Burnett: Technically, its scope is not restricted to consumer accounts. It could apply to a business account of a sole proprietor. The definition of "account" in the regulation does not limit the types of accounts or account ownership involved. But the definition of "account holder" brings the scope of the rule down to accounts held by natural persons. It's certainly possible for a natural person to have his/her federal benefit payment direct deposit go to a sole proprietorship business account in the individual's name.