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, provides a framework for electronic banking transactions and consumer protections
NACHA Operating Rules: Comprehensive rules and guidelines governing the ACH Network, including technical specifications, participant responsibilities, and transaction processing requirements
UCC Article 4A: Uniform Commercial Code article governing commercial funds transfers, particularly relevant for business-to-business ACH transactions
Gramm-Leach-Bliley Act (GLBA): Federal law requiring financial institutions to explain their information-sharing practices and protect sensitive customer data
Federal Privacy Act: Establishes requirements for the collection, maintenance, use, and dissemination of personal information maintained by federal agencies
FTC Regulations: Federal Trade Commission regulations governing unfair or deceptive practices in commerce, including electronic payments
State Electronic Transaction Laws: State-specific laws governing electronic transactions and digital signatures, varying by jurisdiction
State UCC Implementations: State-specific versions and interpretations of the Uniform Commercial Code, which may affect ACH transactions
State Privacy Laws: State-specific requirements for handling personal and financial information, which may be more stringent than federal regulations
Bank Secrecy Act: Federal law requiring financial institutions to assist government agencies in detecting and preventing money laundering
Anti-Money Laundering Regulations: Federal regulations requiring programs to prevent, detect, and report suspicious activities that might indicate money laundering
OFAC Requirements: Office of Foreign Assets Control regulations governing transactions involving sanctioned countries, entities, or individuals
PCI DSS: Payment Card Industry Data Security Standard establishing security standards for organizations handling credit card information
FISMA: Federal Information Security Management Act defining framework for protecting government information, systems and assets
