E-SIGN Act: Electronic Signatures in Global and National Commerce Act - Federal law that ensures the validity of electronic signatures, records, and contracts in interstate commerce
UETA: Uniform Electronic Transactions Act - Provides uniform rules for electronic transactions across adopting states
FDCPA: Fair Debt Collection Practices Act - Federal law that limits the behavior and actions of debt collectors who are attempting to collect debts on behalf of another person or entity
TILA: Truth in Lending Act - Federal law requiring clear disclosure of key terms and costs in lending arrangements, including certain payment agreements
EFTA: Electronic Fund Transfer Act - Federal law providing a framework for establishing rights, liabilities, and responsibilities of participants in electronic fund transfer systems
Regulation E: Federal regulation that implements the Electronic Fund Transfer Act, providing a basic framework for establishing rights, liabilities, and responsibilities of electronic fund transfer services
State Contract Laws: Various state-specific laws governing contract formation, enforcement, and interpretation within each jurisdiction
State Usury Laws: State-specific laws that regulate interest rates and specify maximum legal interest rates that can be charged
Bank Secrecy Act: Federal law requiring financial institutions to assist government agencies in detecting and preventing money laundering
NACHA Rules: Operating rules for the ACH Network, governing how financial institutions handle and process ACH payments
PCI Compliance: Payment Card Industry standards that ensure secure handling of credit card information in payment processing
CFPB Regulations: Consumer Financial Protection Bureau regulations protecting consumers in financial transactions and payments
GLBA: Gramm-Leach-Bliley Act - Federal law requiring financial institutions to explain their information-sharing practices and protect sensitive data
AML Regulations: Anti-Money Laundering regulations designed to prevent conversion of illegally obtained money into legitimate assets
KYC Requirements: Know Your Customer regulations requiring businesses to verify the identity of their clients and assess potential risks
