Electronic Fund Transfer Act (EFTA): Primary federal law governing electronic fund transfers, establishing rights, liabilities, and responsibilities of participants in electronic fund transfer systems
Regulation E: Federal regulation implementing EFTA, providing a framework for electronic banking transactions and consumer protections
NACHA Operating Rules: Rules governing the ACH Network, establishing standards, procedures, and guidelines for electronic payments
Regulation CC: Federal Reserve regulation governing funds availability and collection of checks, including electronic deposits
UCC Article 4A: Uniform Commercial Code article governing fund transfers between financial institutions and commercial customers
Bank Secrecy Act (BSA): Federal law requiring financial institutions to assist government agencies in detecting and preventing money laundering
Anti-Money Laundering Regulations: Regulatory framework designed to prevent conversion of illegal proceeds into legitimate funds
Gramm-Leach-Bliley Act: Federal law requiring financial institutions to explain their information-sharing practices and protect sensitive data
Regulation P: Federal regulation implementing privacy provisions of GLBA, governing the treatment of nonpublic personal information
CFPB Regulations: Consumer Financial Protection Bureau regulations protecting consumers in financial transactions
Fair Credit Reporting Act: Federal law regulating the collection, dissemination, and use of consumer credit information
State Banking Regulations: State-specific laws governing banking operations and transactions within individual states
State Electronic Transaction Laws: State-specific laws governing electronic transactions and digital signatures
State Privacy Laws: State-specific laws governing the protection and handling of personal information
