; (3) shall provide, in conjunction with the Postal Service, access to automatic teller machines to be maintained on behalf of the Board of Governors of the Postal Service at postal retail facilities; (4) shall be branded in all account statements, marketing materials, and other communications as FedAccounts maintained by the Federal reserve bank on behalf of the United States of America; (5) may not be closed or restricted on the basis of profitability considerations; and (6) shall provide account holders with reasonable protection against losses caused by fraud or security breaches. (d) Bank secrecy act In establishing and maintaining digital dollar wallets, each Federal reserve bank shall comply with— (1) section 21 of the Federal Deposit Insurance Act ( 12 U.S.C. 1829b ); (2) chapter 2 of title I of Public Law 91–508 ( 12 U.S.C. 1951 et seq.); and (3) subchapter II of chapter 53 of title 31, United States Code. (e) Privacy Section 552a of title 5, United States Code (commonly known as the “Privacy Act of 1974”), shall apply to digital dollar wallets, and the privacy obligations applicable to each Federal reserve bank and its employees, including with respect to criminal and civil penalties, shall mirror those applicable to Federal tax returns under sections 6103, 7213(a)(1), 7213A, and 7431 of the Internal Revenue Code of 1986. 6. Regulations The Board of Governors of the Federal Reserve System shall promulgate regulations carrying out this Act.