I believe it's very simple. If a police officer wants to do just about anything with you, they can and will, regardless of the rights you have, or restrictions

I believe it's very simple. If a police officer wants to do just about anything with you, they can and will, regardless of the rights you have, or restrictions put on the police. Also, the Bill of Rights trumps regulations, but a bank is a private entity and you don't have rights there.