| Credit,
Debit, ATM and Stored Value Cards; Checks; Money Orders; E-Sign and UETA;
Electronic Banking and Benefit Payments
Revolutionary Changes in Electronic Banking
and Debit Card Use
- Consumer liability for unauthorized use
- Error resolution, and right to stop payment or to raise defenses
- Required notices
- Allowable charges
- Consumer protections hidden in NACHA rules
- Bank’s liability for thefts near ATM machines
- Federal E-Sign Law, UETA, and electronic disclosures
- Electronic check conversions.
How Bank Accounts Work in the 21st Century
- Bank fees, bounced checks, and wrongful dishonor
- Check 21 and the demise of returned paper checks
- Banks can now cash post-dated checks before the due date
- New rules on accord and satisfaction
- Pre-authorized drafts: where merchant writes itself a check drawn
on the consumer’s account
- Liability for forged signatures and endorsements, check alterations
- Limits on bank’s right to set off and third party garnishment.
The Latest on Money Orders, International Wires,
Stored Value Cards
- Consumer rights where instrument is lost or stolen
- Right to stop payment
- Who loses when the issuer becomes insolvent.
Dramatic Changes in How Government Payments
Are Made
- Federal law requiring direct deposit of all federal benefits
- What you need to know about Electronic Transfer Accounts (ETAs)
- Stored value card use for Food Stamps and other state benefits.
- Rights of the disabled to access ATM machines
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|  All
the Primary Sources You Need on CD-Rom
- UCC Provisions and Official
Comments on checks and bank accounts, with amendments.
- Federal statutes, regulations,
and commentary on Electronic Fund Transfers, Check 21,
E-Sign, Funds Availability, Truth in Lending, Truth
in Savings, Pre-Authorized Drafts
- Federal guides on Electronic
Benefit Transfers (EBT), EFT 99, and ETA
- Model Stored Value Card Statute.
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|
Praise
for the NCLC Manuals |
and NCLC