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Timestamp: 2019-04-23 16:21:38+00:00

Document:
2.7.6 Does the Truth in Lending Act Apply to Overdraft Loan Charges?
2.7.7 Do State Credit Statutes Apply to Overdraft Loan Charges?
3.2.1 What Is a Check?
3.2.2 Who Are the Parties to a Check?
4.2.2 What Constitutes Delivery of the Check to the Payee?
5.1.5.4.2 Are digital-wallet providers “financial institutions”?
5.9.6.2 Do Preauthorized EFT Rules Apply?
5.14.2.2 Does UCC Article 2 Apply?
5.15.1.1 What Is Account Aggregation?
7.2.1 What Is a Prepaid Card or Prepaid Account?
7.2.4.2.4 When is a “credit feature” considered “covered”?
7.7.1 What Is a Gift Card?
7.7.2.3 Does Federal Law Preempt State Gift Card Law?
7.7.10.1 Does Merchant’s Acceptance of Card Payment Discharge the Consumer’s Obligation to the Merchant?
8.2.3 Electronic Fund Transfer Act: Does EFTA Apply to EBT?
10.2.4 Can Bank Use Setoff If It Has a Security Interest in Other Property?
10.2.8.4 Are Deposited Benefits That Are Exempt from Garnishment Also Exempt from Setoff?
11.5.3 Does an Oral Record Qualify As an Electronic Record?
11.5.5.4 Can Documents Be Sent Electronically When the Underlying Law Requires U.S. Mail?
11.7 Which Law Applies—E-Sign or UETA?
11.7.1 Why Do We Care?
11.7.3 How Extensive Is the Displacement?
11.7.6 When UETA Fails to Displace E-Sign, Does E-Sign Preempt UETA?
Section 1-104. Construction Against Implied Repeal.
Section 3-105. Issue of Instrument.
Section 3-106. Unconditional Promise or Order.
Section 3-108. Payable on Demand or at Definite Time.
Section 3-109. Payable to Bearer or to Order.
Section 3-110. Identification of Person to Whom Instrument Is Payable.
Section 3-113. Date of Instrument.
Section 3-114. Contradictory Terms of Instrument.
Section 3-118. Statute of Limitations.
Section 3-203. Transfer of Instrument; Rights Acquired by Transfer.
Section 3-205. Special Indorsement; Blank Indorsement; Anomalous Indorsement.
Section 3-301. Person Entitled to Enforce Instrument.
Section 3-302. Holder in Due Course.
Section 3-308. Proof of Signatures and Status as Holder in Due Course.
Section 3-309. Enforcement of Lost, Destroyed, or Stolen Instrument.
Section 3-310. Effect of Instrument on Obligation for Which Taken.
UCC © by ALI and NCCUSL. Reproduced with the permission of the PEB for the UCC. All rights reserved.
Section 3-311. Accord and Satisfaction by Use of Instrument.
Section 3-404. Impostors; Fictitious Payees.
Section 3-406. Negligence Contributing to Forged Signature or Alteration of Instrument.
Section 3-408. Drawee Not Liable on Unaccepted Draft.
Section 3-409. Acceptance of Draft; Certified Check.
Section 3-412. Obligation of Issuer of Note or Cashier’s Check.
Section 3-414. Obligation of Drawer.
Section 3-415. Obligation of Indorser.
Section 3-503. Notice of Dishonor.
Section 3-601. Discharge and Effect of Discharge.
Section 4-103. Variation by Agreement; Measure of Damages; Action Constituting Ordinary Care.
Section 4-105. ““Bank”; “Depositary Bank”; “Payor Bank”; “Intermediary Bank”; “Collecting Bank”; “Presenting Bank”Definitions of Types Of Banks.
Section 4-111. Statute of Limitations.
Section 4-214. Right of Charge-Back or Refund; Liability of Collecting Bank: Return of Item.
Section 4-215. Final Payment of Item by Payor Bank; When Provisional Debits and Credits Become Final; When Certain Credits Become Available for Withdrawal.
Section 4-301. Deferred Posting; Recovery of Payment by Return of Items; Time of Dishonor; Return of Items by Payor Bank.
Section 4-302. Payor Bank’s Responsibility for Late Return of Item.
Section 4-303. When Items Subject to Notice, Stop-Payment Order, Legal Process, or Setoff; Order in Which Items May Be Charged or Certified.
Section 4-401. When Bank May Charge Customer’s Account.
Section 4-402. Bank’s Liability to Customer for Wrongful Dishonor; Time of Determining Insufficiency of Account.
Section 4-403. Customer’s Right to Stop Payment; Burden of Proof of Loss.
Section 4-404. Bank Not Obliged to Pay Check More Than Six Months Old.
Section 4-405. Death or Incompetence of Customer.
Section 4-406. Customer’s Duty to Discover and Report Unauthorized Signature or Alteration.
Section 4-407. Payor Bank’s Right to Subrogation on Improper Payment.
12 U.S.C. § 4310. [§ 271] Repealed.
12 C.F.R. § 1030.1 Authority, purpose, coverage, and effect on state laws.
12 C.F.R. § 1030.2 Definitions.
12 C.F.R. § 1030.3 General disclosure requirements.
12 C.F.R. § 1030.4 Account disclosures.
12 C.F.R. § 1030.5 Subsequent disclosures.
12 C.F.R. § 1030.6 Periodic statement disclosures.
12 C.F.R. § 1030.7 Payment of interest.
12 C.F.R. § 1030.8 Advertising.
12 C.F.R. § 1030.9 Enforcement and record retention.
12 C.F.R. § 1030.11 Additional disclosure requirements for overdraft services.
Appendix A to Part 1030—Annual Percentage Yield Calculation.
Appendix B to Part 1030—Model Clauses and Sample Forms.
Appendix C to Part 1030—Effect on State Laws.
Appendix D to Part 1030—Issuance of Official Interpretations.
(j) Depository institution and institution.
(c) Relation to Regulation E.
(e) Oral response to inquiries.
(a) Delivery of account disclosures.
(b) Content of account disclosures.
(b)(1)(i) Annual percentage yield and interest rate.
(b)(2)(ii) Effect of closing an account.
(b)(3)(iii) When interest begins to accrue.
(b)(6) Features of time accounts.
(b) Notice before maturity for time accounts longer than one month that renew automatically.
(b)(1) Maturities of longer than one year.
(c) Notice before maturity for time accounts longer than one year that do not renew automatically.
(a)(1) Annual percentage yield earned.
(b) Special rule for average daily balance method.
(a)(2) Determination of minimum balance to earn interest.
(b) Compounding and crediting policies.
(c) Date interest begins to accrue.
(a) Misleading or inaccurate advertisements.
(c) When additional disclosures are required.
(c)(2) Time annual percentage yield is offered.
(c)(6) Features of time accounts.
(e) Exemption for certain advertisements.
(a) Disclosure of total fees on periodic statements.
(b) Advertising disclosures for overdraft services.
(c) Disclosure of account balances.
12 C.F.R. § 229.1 Authority and purpose; organization.
12 C.F.R. § 229.2 Definitions.
12 C.F.R. § 229.3 Administrative enforcement.
12 C.F.R. § 229.10 Next-day availability.
12 C.F.R. § 229.12 Availability schedule.
12 C.F.R. § 229.13 Exceptions.
12 C.F.R. § 229.14 Payment of interest.
12 C.F.R. § 229.15 General disclosure requirements.
12 C.F.R. § 229.16 Specific availability policy disclosure.
12 C.F.R. § 229.17 Initial disclosures.
12 C.F.R. § 229.18 Additional disclosure requirements.
12 C.F.R. § 229.19 Miscellaneous.
12 C.F.R. § 229.20 Relation to state law.
12 C.F.R. § 229.21 Civil liability.
12 C.F.R. § 229.30 Electronic checks and electronic information.
12 C.F.R. § 229.31 Paying bank’s responsibility for return of checks and notices of nonpayment.
12 C.F.R. § 229.32 Returning bank’s responsibility for return of checks.
12 C.F.R. § 229.33 Depositary bank’s responsibility for returned checks and notices of nonpayment.
12 C.F.R. § 229.34 Warranties and indemnities.
12 C.F.R. § 229.35 Indorsements.
12 C.F.R. § 229.36 Presentment and issuance of checks.
12 C.F.R. § 229.37 Variation by agreement.
12 C.F.R. § 229.38 Liability.
12 C.F.R. § 229.39 Insolvency of bank.
12 C.F.R. § 229.40 Effect of merger transaction.
12 C.F.R. § 229.41 Relation to state law.
12 C.F.R. § 229.42 Exclusions.
12 C.F.R. § 229.43 Checks payable in Guam, American Samoa, and the Northern Mariana Islands.
12 C.F.R. § 229.51 General provisions governing substitute checks.
12 C.F.R. § 229.52 Substitute check warranties.
12 C.F.R. § 229.53 Substitute check indemnity.
12 C.F.R. § 229.54 Expedited recredit for consumers.
12 C.F.R. § 229.55 Expedited recredit for banks.
12 C.F.R. § 229.56 Liability.
12 C.F.R. § 229.57 Consumer awareness.
12 C.F.R. § 229.58 Mode of delivery of information.
12 C.F.R. § 229.59 Relation to other law.
12 C.F.R. § 229.60 Variation by agreement.
16 C.F.R. § 310.1 Scope of regulations in this part.
16 C.F.R. § 310.2 Definitions.
16 C.F.R. § 310.3 Deceptive telemarketing acts or practices.
16 C.F.R. § 310.4 Abusive telemarketing acts or practices.
16 C.F.R. § 310.5 Recordkeeping requirements.
16 C.F.R. § 310.6 Exemptions.
16 C.F.R. § 310.7 Actions by states and private persons.
16 C.F.R. § 310.8 Fee for access to the National Do Not Call Registry.
16 C.F.R. § 310.9 Severability.
12 C.F.R. § 1005.1 Authority and purpose.
12 C.F.R. § 1005.2 Definitions.
12 C.F.R. § 1005.3 Coverage.
12 C.F.R. § 1005.4 General disclosure requirements; jointly offered services.
12 C.F.R. § 1005.5 Issuance of access devices.
12 C.F.R. § 1005.6 Liability of consumer for unauthorized transfers.
12 C.F.R. § 1005.7 Initial disclosures.
12 C.F.R. § 1005.8 Change in terms notice; error resolution notice.
12 C.F.R. § 1005.9 Receipts at electronic terminals; periodic statements.
12 C.F.R. § 1005.10 Preauthorized transfers.
12 C.F.R. § 1005.11 Procedures for resolving errors.
12 C.F.R. § 1005.12 Relation to other laws.
12 C.F.R. § 1005.13 Administrative enforcement; record retention.
12 C.F.R. § 1005.14 Electronic fund transfer service provider not holding consumer’s account.
12 C.F.R. § 1005.15 Electronic fund transfer of government benefits.
12 C.F.R. § 1005.16 Disclosures at automated teller machines.
12 C.F.R. § 1005.17 Requirements for overdraft services.
12 C.F.R. § 1005.18 Requirements for financial institutions offering payroll card accounts.
12 C.F.R. § 1005.20 Requirements for gift cards and gift certificates.
12 C.F.R. § 1005.30 Remittance transfer definitions.
12 C.F.R. § 1005.31 Disclosures.
12 C.F.R. § 1005.32 Estimates.
12 C.F.R. § 1005.33 Procedures for resolving errors.
12 C.F.R. § 1005.34 Procedures for cancellation and refund of remittance transfers.
12 C.F.R. § 1005.35 Acts of agents.
12 C.F.R. § 1005.36 Transfers scheduled before the date of transfer.
31 C.F.R. § 208.1 Scope and application.
31 C.F.R. § 208.2 Definitions.
31 C.F.R. § 208.3 Payment by electronic funds transfer.
31 C.F.R. § 208.4 Waivers.
31 C.F.R. § 208.5 Availability of the ETA.
31 C.F.R. § 208.6 Availability of the Direct Express® Card.
31 C.F.R. § 208.7 Agency responsibilities.
31 C.F.R. § 208.8 Recipient responsibilities.
31 C.F.R. § 208.9 Compliance.
31 C.F.R. § 208.10 Reservation of rights.
31 C.F.R. § 208.11 Accounts for disaster victims.
31 C.F.R. § 210.1 Scope; relation to other regulations.
31 C.F.R. § 210.2 Definitions.
31 C.F.R. § 210.3 Governing law.
31 C.F.R. § 210.4 Authorizations and revocations of authorizations.
31 C.F.R. § 210.5 Account requirements for Federal payments.
31 C.F.R. § 210.6 Agencies.
31 C.F.R. § 210.7 Federal Reserve Banks.
31 C.F.R. § 210.8 Financial institutions.
31 C.F.R. § 210.9 Parties to the reclamation.
31 C.F.R. § 210.10 RDFI liability.
31 C.F.R. § 210.11 Limited liability.
31 C.F.R. § 210.12 RDFI’s rights of recovery.
31 C.F.R. § 210.13 Notice to account owners.
31 C.F.R. § 210.14 Erroneous death information.
Section 5. Use of Electronic Records and Electronic Signatures; Variation by Agreement.
Section 6. Construction and Application.
Section 7. Legal Recognition of Electronic Records, Electronic Signatures, and Electronic Contracts.
Section 8. Provision of Information in Writing; Presentation of Records.
Section 9. Attribution and Effect of Electronic Record and Electronic Signature.
Section 10. Effect of Change or Error.
Section 11. Notarization and Acknowledgment.
Section 12. Retention of Electronic Records; Originals.
Section 13. Admissibility in Evidence.
Section 15. Time and Place of Sending and Receipt.

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