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The Law of Electronic Fund Transfer Systems
This practical treatise focuses on the latest business trends, technological innovations, laws, regulations, cases involving electronic payment systems issues and clear explanations of the legal principles governing the rights, duties, and liabilities of financial institutions. Electronic banking becomes more complex each day. This publication is essential to understand the impact of electronic banking changes.
Publisher: LexisNexis A.S. Pratt
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The world of electronic banking has undergone substantial growth in recent years, and the legal and regulatory environment keeps changing with it. Financial institutions and banking attorneys need to keep up with these changes and the business and compliance issues they raise.
This manual will keep you informed of the Dodd-Frank Wall Street Reform and Consumer Protection Act changes that will affect you. Updates will include information on:
1. Amendments to the Electronic Fund Transfer Act
2. Required disclosures about fees for sending electronic payments
3. Establishment of complaint and error resolution procedures
The Law of Electronic Fund Transfer Systems provides guidance on the latest business trends, technological innovations, laws, regulations, and cases involving electronic payment systems issues. This practical treatise presents clear explanations of the legal principles governing the rights, duties, and liabilities of financial institutions. In addition, The Law of Electronic Fund Transfer Systems provides expert analysis and interpretation, so you can better manage your financial institution's systems and improve their efficiency and profitability.
This popular manual provides a thorough examination of the newest technological developments of all current EFT systems, including:
•Credit cards
•Home banking
•Automated clearing houses
•Point-of-sale systems
•Check truncation
•Wire transfers
•Debit cards
•Preauthorized debits and credits
•Smart cards
•Electronic benefits transfers
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Table of Contents
VOLUME 1
Technological Developments
Chapter 1 History of Electronic Fund Transfer Systems and Electronic Banking Products
Chapter 2 Check Truncation and Electronic Check Presentment
Chapter 3 The Automated Clearinghouse System
Chapter 4 Preauthorized Debit Transfers
Chapter 5 Preauthorized Credits
Chapter 6 Automated Teller Machines
Chapter 7 Point-of-Sale Systems
Chapter 8 Check Verification and Check Guarantee Systems
Chapter 9 Smart Cards
Chapter 10 E-Banking
Chapter 11 Wire Transfers
Rights of Participants
Chapter 12 Sources of EFT Laws
Chapter 13 UCC Article 4A - Wholesale Wire Transfers
Chapter 14 Access Device Issuance and Consumer Liability for Unauthorized Transfers
Chapter 15 Disclosure and Documentation
Chapter 16 Error Resolution
Chapter 17 Other EFT Act and Regulation E Provisions
Chapter 18 Other Consumer Issues: Float, Garnishment, and the Poor
Chapter 19 Privacy and Security
Chapter 20 Nonstatutory Rules
VOLUME 2
Competition, Antitrust, and Economic Regulation
Chapter 21 The Competitive Environment
Chapter 22 Special Antitrust Problems of Joint Ventures
Chapter 23 Electronic Settlement and Clearing: Institutional Choices
Chapter 24 Retail Banking Competition: Card Products and Systems
Chapter 25 Retail Banking Competition: The Establishment and Use of Automated Teller Machines
Chapter 26 Retail Banking Competition: Point-of-Sale Systems
Other Legal and Regulatory Schemes
Chapter 27 Bank Investment Services Regulation
Chapter 28 Consumer Finance Company Regulation
Chapter 29 Telecommunications Regulation
International Aspects of EFT Systems
Chapter 30 International Transfers
Chapter 31 Overseas Development of EFT Systems
Appendix A Electronic Fund Transfer Act
Appendix B Regulation E, as Amended, With Commentary
Appendix C Electronic Banking Forms
Appendix D The Gramm-Leach-Bliley Act, Pub. Law No. 106뀮 Provisions Affecting Privacy and the Electronic Fund Transfer Act and Implementing Regulations Affecting Privacy
Appendix E Treasury Department Regulation on Federal Government Participation in the Automated Clearing House
Appendix F EFT Act Supervision and Examination Procedures
Appendix G Check Clearing for the 21st Century Act or Check 21 Act
Appendix H Federal Reserve Regulation II: Debit Card Interchange Fees and Routing
Table of EFT Act Sections
Table of Regulation E Provisions
Table of UCC Sections
Table of Cases
Index
VOLUME 1
Technological Developments
Chapter 1 History of Electronic Fund Transfer Systems and Electronic Banking Products
Chapter 2 Check Truncation and Electronic Check Presentment
Chapter 3 The Automated Clearinghouse System
Chapter 4 Preauthorized Debit Transfers
Chapter 5 Preauthorized Credits
Chapter 6 Automated Teller Machines
Chapter 7 Point-of-Sale Systems
Chapter 8 Check Verification and Check Guarantee Systems
Chapter 9 Smart Cards
Chapter 10 E-Banking
Chapter 11 Wire Transfers
Rights of Participants
Chapter 12 Sources of EFT Laws
Chapter 13 UCC Article 4A - Wholesale Wire Transfers
Chapter 14 Access Device Issuance and Consumer Liability for Unauthorized Transfers
Chapter 15 Disclosure and Documentation
Chapter 16 Error Resolution
Chapter 17 Other EFT Act and Regulation E Provisions
Chapter 18 Other Consumer Issues: Float, Garnishment, and the Poor
Chapter 19 Privacy and Security
Chapter 20 Nonstatutory Rules
VOLUME 2
Competition, Antitrust, and Economic Regulation
Chapter 21 The Competitive Environment
Chapter 22 Special Antitrust Problems of Joint Ventures
Chapter 23 Electronic Settlement and Clearing: Institutional Choices
Chapter 24 Retail Banking Competition: Card Products and Systems
Chapter 25 Retail Banking Competition: The Establishment and Use of Automated Teller Machines
Chapter 26 Retail Banking Competition: Point-of-Sale Systems
Other Legal and Regulatory Schemes
Chapter 27 Bank Investment Services Regulation
Chapter 28 Consumer Finance Company Regulation
Chapter 29 Telecommunications Regulation
International Aspects of EFT Systems
Chapter 30 International Transfers
Chapter 31 Overseas Development of EFT Systems
Appendix A Electronic Fund Transfer Act
Appendix B Regulation E, as Amended, With Commentary
Appendix C Electronic Banking Forms
Appendix D The Gramm-Leach-Bliley Act, Pub. Law No. 106뀮 Provisions Affecting Privacy and the Electronic Fund Transfer Act and Implementing Regulations Affecting Privacy
Appendix E Treasury Department Regulation on Federal Government Participation in the Automated Clearing House
Appendix F EFT Act Supervision and Examination Procedures
Appendix G Check Clearing for the 21st Century Act or Check 21 Act
Appendix H Federal Reserve Regulation II: Debit Card Interchange Fees and Routing
Table of EFT Act Sections
Table of Regulation E Provisions
Table of UCC Sections
Table of Cases
Index