First considerations
The consumer's payment by personal check
Check payments to consumers : lost checks, funds availability, and check cashing
Electronic transfers from the consumer's account
Money orders and international wire transfers, cashier's and traveler's checks
Credit cards
Prepaid, gift, payroll, telephone and other stored value cards
Electronic benefit transfer (EBT)
Federal government and other direct deposits to consumer accounts
Involuntary payments from bank accounts : garnishment, setoff, and collateral seizures
Electronic records, contracts, disclosures, and signatures
Uniform Commercial Code [UCC] provisions on consumer checking
Federal check regulation : Check 21, funds availability, and check collections
Payments to telemarketers
Electronic fund transfer
Truth in savings
Truth in lending provisions regarding defenses to credit card charges
Stored value and prepaid cards
Electronic payment of needs-based government benefits (electronic benefits transfer - EBT)
EFT 99 and ETA materials
Protection of exempt funds in bank accounts
Electronic signatures and records.