Compliance Guide to Payment Systems: Law and Regulation
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The Payment Systems Guidance You Need
The proliferation of alternative payment systems in recent years has created confusion for consumers, merchants, and financial institutions. With the emergence of new payment systems, such as Internet banking, smart cards, and mobile banking, bankers have been required to stay abreast of all the laws and regulations. Now, for the first time, you can find expert guidance to all the payment laws and regulations in one place.
• Bank checks
• Allocation of loss for check fraud
• Mobile banking
• ACH networks
• NACHA Rules
• Credit CARD Act
• Credit card disclosure requirements
• Smart cards and stored value products
• CFPB changes to Regulation Z regarding the ability-to-pay requirement for the issuance of a credit card and the restrictions on fee harvester cards
• FRB gift card rules
• High-to-low debit posting
• CFPB investigation of overdraft programs
• Unfair, deceptive, or abusive acts and practices (UDAAP)
• Credit union share drafts
• Remittance instruments
• Payable-through drafts
• Documentary drafts
• Letters of credit
• Automated teller machines (ATMs) and automated intake of ATM deposits
• Wire transfers, including security procedures for in-person wire transfers and defenses to unauthorized wire claims
• Responsibilities of ODFIs and RDFIs regarding high-risk originators and questionable debit activity
• CFPB regulations regarding international transfers
• Internet transactions and toxic websites
• Unlawful Internet Gambling Enforcement Act
• Corporate account takeover
• Online authentication, including single-factor authentication resulting in bank liability
• Home banking
• Consensual security interests in deposit accounts
Organized the Way You Need It!
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Table of contents
Table of Contents
Chapter 1: Overview of Payment Systems
Chapter 2: Bank Checks: Negotiable Instruments Law
Chapter 3: Bank Checks: Relationship Between Drawer and Drawee Bank
Chapter 4: Bank Checks: Rights and Duties of Collecting Banks
Chapter 5: Bank Checks: Final Payment and Return Deadlines
Chapter 6: Bank Checks: Check Fraud
Chapter 7: Remittance Instruments and Transfers
Chapter 8: Credit Union Share Drafts
Chapter 9: Payable-Through Drafts
Chapter 10: Documentary Drafts
Chapter 11: Letters of Credit
Chapter 12: Credit Cards
Chapter 13: ATM and Debit Cards
Chapter 14: ACH Networks
Chapter 15: Wire Transfers
Chapter 16: Stored-Value Products
Chapter 17: Internet Services