12 CFR Part 1005 — Regulation E, Electronic Fund Transfers (CFPB; incl. remittance transfer rules) [eCFR point-in-time]

1. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart B—Requirements for Remittance Transfers", "§ 1005.35 Acts of agents."]

   § 1005.35 Acts of agents.

   § 1005.35 Acts of agents. A remittance transfer provider is liable for any violation of this subpart by an agent when such agent acts for the provider.

2. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart B—Requirements for Remittance Transfers", "§ 1005.31 Disclosures."]

   § 1005.31 Disclosures.

   § 1005.31 Disclosures. (a) General form of disclosures— (1) Clear and conspicuous. Disclosures required by this subpart or permitted by paragraph (b) (1)(viii)…

3. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.17 Requirements for overdraft services."]

   § 1005.17 Requirements for overdraft services.

   § 1005.17 Requirements for overdraft services. (a) Definition. For purposes of this section, the term “overdraft service” means a service under which a…

4. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.8 Change in terms notice; error resolution notice."]

   § 1005.8 Change in terms notice; error resolution notice.

   § 1005.8 Change in terms notice; error resolution notice. (a) Change in terms notice—(1) Prior notice required. A financial institution shall mail or deliver a…

5. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.12 Relation to other laws."]

   § 1005.12 Relation to other laws.

   § 1005.12 Relation to other laws. (a) Relation to Truth in Lending.

6. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart B—Requirements for Remittance Transfers", "§ 1005.32 Estimates."]

   § 1005.32 Estimates.

   § 1005.32 Estimates. (a) Temporary exception for insured institutions— (1) General. For disclosures described in §§ 1005.31(b) (1) through (3) and 1005.36(a)…

7. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart B—Requirements for Remittance Transfers", "§ 1005.30 Remittance transfer definitions."]

   § 1005.30 Remittance transfer definitions.

   § 1005.30 Remittance transfer definitions. Except as otherwise provided, for purposes of this subpart, the following definitions apply: (a) “Agent” means an…

8. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.13 Administrative enforcement; record retention."]

   § 1005.13 Administrative enforcement; record retention.

   § 1005.13 Administrative enforcement; record retention. (a) Enforcement by Federal agencies. Compliance with this part is enforced in accordance with section…

9. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.10 Preauthorized transfers."]

   § 1005.10 Preauthorized transfers.

   § 1005.10 Preauthorized transfers. (a) Preauthorized transfers to consumer's account— (1) Notice by financial institution. When a person initiates…

10. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.3 Coverage."]

    § 1005.3 Coverage.

    § 1005.3 Coverage. (a) General. This part applies to any electronic fund transfer that authorizes a financial institution to debit or credit a consumer's…

11. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.4 General disclosure requirements; jointly offered services."]

    § 1005.4 General disclosure requirements; jointly offered services.

    § 1005.4 General disclosure requirements; jointly offered services. (a) (1) Form of disclosures. Disclosures required under this part shall be clear and…

12. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.19 Internet posting of prepaid account agreements."]

    § 1005.19 Internet posting of prepaid account agreements.

    § 1005.19 Internet posting of prepaid account agreements. (a) Definitions— (1) Agreement. For purposes of this section, “agreement” or “prepaid account…

13. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.18 Requirements for financial institutions offering prepaid accounts."]

    § 1005.18 Requirements for financial institutions offering prepaid accounts.

    § 1005.18 Requirements for financial institutions offering prepaid accounts. (a) Coverage. A financial institution shall comply with all applicable…

14. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.14 Electronic fund transfer service provider not holding consumer's account."]

    § 1005.14 Electronic fund transfer service provider not holding consumer's account.

    § 1005.14 Electronic fund transfer service provider not holding consumer's account. (a) Provider of electronic fund transfer service. A person that provides an…

15. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.15 Electronic fund transfer of government benefits."]

    § 1005.15 Electronic fund transfer of government benefits.

    § 1005.15 Electronic fund transfer of government benefits. (a) Government agency subject to regulation. (1) A government agency is deemed to be a financial…

16. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.9 Receipts at electronic terminals; periodic statements."]

    § 1005.9 Receipts at electronic terminals; periodic statements.

    § 1005.9 Receipts at electronic terminals; periodic statements. (a) Receipts at electronic terminals—General. Except as provided in paragraph (e) of this…

17. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.6 Liability of consumer for unauthorized transfers."]

    § 1005.6 Liability of consumer for unauthorized transfers.

    § 1005.6 Liability of consumer for unauthorized transfers. (a) Conditions for liability. A consumer may be held liable, within the limitations described in…

18. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart B—Requirements for Remittance Transfers", "§ 1005.36 Transfers scheduled before the date of transfer."]

    § 1005.36 Transfers scheduled before the date of transfer.

    § 1005.36 Transfers scheduled before the date of transfer. (a) Timing. (1) For a one-time transfer scheduled five or more business days before the date of…

19. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.11 Procedures for resolving errors."]

    § 1005.11 Procedures for resolving errors.

    § 1005.11 Procedures for resolving errors. (a) Definition of error— (1) Types of transfers or inquiries covered. The term “error” means: (i) An unauthorized…

20. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.5 Issuance of access devices."]

    § 1005.5 Issuance of access devices.

    § 1005.5 Issuance of access devices. (a) Solicited issuance. Except as provided in paragraph (b) of this section, a financial institution may issue an access…

21. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.7 Initial disclosures."]

    § 1005.7 Initial disclosures.

    § 1005.7 Initial disclosures. (a) Timing of disclosures. A financial institution shall make the disclosures required by this section at the time a consumer…

22. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.2 Definitions."]

    § 1005.2 Definitions.

    § 1005.2 Definitions. Except as otherwise provided in subpart B, for purposes of this part, the following definitions apply: (a) (1) “Access device” means a…

23. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.1 Authority and purpose."]

    § 1005.1 Authority and purpose.

    § 1005.1 Authority and purpose. (a) Authority. The regulation in this part, known as Regulation E, is issued by the Bureau of Consumer Financial Protection…

24. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.20 Requirements for gift cards and gift certificates."]

    § 1005.20 Requirements for gift cards and gift certificates.

    § 1005.20 Requirements for gift cards and gift certificates. (a) Definitions. For purposes of this section, except as excluded under paragraph (b), the…

25. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.16 Disclosures at automated teller machines."]

    § 1005.16 Disclosures at automated teller machines.

    § 1005.16 Disclosures at automated teller machines. (a) Definition. “Automated teller machine operator” means any person that operates an automated teller…

26. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart B—Requirements for Remittance Transfers", "§ 1005.33 Procedures for resolving errors."]

    § 1005.33 Procedures for resolving errors.

    § 1005.33 Procedures for resolving errors. (a) Definition of error— (1) Types of transfers or inquiries covered. For purposes of this section, the term error…

27. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart B—Requirements for Remittance Transfers", "§ 1005.34 Procedures for cancellation and refund of remittance transfers."]

    § 1005.34 Procedures for cancellation and refund of remittance transfers.

    § 1005.34 Procedures for cancellation and refund of remittance transfers. (a) Sender right of cancellation and refund. Except as provided in § 1005.36(c), a…

28. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.18 Requirements for financial institutions offering prepaid accounts."]

    § 1005.18 Requirements for financial institutions offering prepaid accounts.

    § 1005.18 Requirements for financial institutions offering prepaid accounts. (4) of this section by telephone and via a website. (D) The long form disclosure…

29. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.9 Receipts at electronic terminals; periodic statements."]

    § 1005.9 Receipts at electronic terminals; periodic statements.

    § 1005.9 Receipts at electronic terminals; periodic statements. (6) Third party transfer. The name of any third party to or from whom funds are transferred…

30. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.11 Procedures for resolving errors."]

    § 1005.11 Procedures for resolving errors.

    § 1005.11 Procedures for resolving errors. (1) Timing; contents. A financial institution shall comply with the requirements of this section with respect to any…

31. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.10 Preauthorized transfers."]

    § 1005.10 Preauthorized transfers.

    § 1005.10 Preauthorized transfers. (2) Written confirmation. The financial institution may require the consumer to give written confirmation of a stop-payment…

32. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.20 Requirements for gift cards and gift certificates."]

    § 1005.20 Requirements for gift cards and gift certificates.

    § 1005.20 Requirements for gift cards and gift certificates. (4) “Loyalty, award, or promotional gift card” means a card, code, or other device that: (i) Is…

33. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart B—Requirements for Remittance Transfers", "§ 1005.31 Disclosures."]

    § 1005.31 Disclosures.

    § 1005.31 Disclosures. (4) Oral disclosures for certain error resolution notices. The information required by § 1005.33(c) (1) may be disclosed orally if: (i)…

34. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.3 Coverage."]

    § 1005.3 Coverage.

    § 1005.3 Coverage. (2) Electronic fund transfer using information from a check. (i) This part applies where a check, draft, or similar paper instrument is used…

35. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.2 Definitions."]

    § 1005.2 Definitions.

    § 1005.2 Definitions. (2); or (C) An account that is marketed or labeled as “prepaid” and that is redeemable upon presentation at multiple, unaffiliated…

36. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart B—Requirements for Remittance Transfers", "§ 1005.36 Transfers scheduled before the date of transfer."]

    § 1005.36 Transfers scheduled before the date of transfer.

    § 1005.36 Transfers scheduled before the date of transfer. (2) to the sender. The provider must mail or deliver this receipt to the sender within a reasonable…

37. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.12 Relation to other laws."]

    § 1005.12 Relation to other laws.

    § 1005.12 Relation to other laws. (1) The Electronic Fund Transfer Act and this part govern: (i) The addition to an accepted credit card, as defined in…

38. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.14 Electronic fund transfer service provider not holding consumer's account."]

    § 1005.14 Electronic fund transfer service provider not holding consumer's account.

    § 1005.14 Electronic fund transfer service provider not holding consumer's account. (1), in the format prescribed by the automated clearinghouse (ACH) system…

39. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.15 Electronic fund transfer of government benefits."]

    § 1005.15 Electronic fund transfer of government benefits.

    § 1005.15 Electronic fund transfer of government benefits. (2) Additional content for government benefit accounts—(i) Statement regarding consumer's payment…

40. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.4 General disclosure requirements; jointly offered services."]

    § 1005.4 General disclosure requirements; jointly offered services.

    § 1005.4 General disclosure requirements; jointly offered services. (2) Multiple account holders. For joint accounts held by two or more consumers, a financial…

41. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.7 Initial disclosures."]

    § 1005.7 Initial disclosures.

    § 1005.7 Initial disclosures. (8) Liability of institution. A summary of the financial institution's liability to the consumer under section 910 of the Act for…

42. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.19 Internet posting of prepaid account agreements."]

    § 1005.19 Internet posting of prepaid account agreements.

    § 1005.19 Internet posting of prepaid account agreements. (6) Offers to the general public. For purposes of this section, an issuer “offers to the general…

43. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart B—Requirements for Remittance Transfers", "§ 1005.32 Estimates."]

    § 1005.32 Estimates.

    § 1005.32 Estimates. (1)(vii), if a remittance transfer provider cannot determine the exact amounts when the disclosure is required because: (A) The laws of…

44. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart B—Requirements for Remittance Transfers", "§ 1005.33 Procedures for resolving errors."]

    § 1005.33 Procedures for resolving errors.

    § 1005.33 Procedures for resolving errors. (3) for the remittance transfer, unless the failure to make the funds available resulted from: (A) Extraordinary…

45. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart B—Requirements for Remittance Transfers", "§ 1005.30 Remittance transfer definitions."]

    § 1005.30 Remittance transfer definitions.

    § 1005.30 Remittance transfer definitions. (2) Normal course of business—(i) Safe harbor. For purposes of paragraph (f) (1) of this section, a person is deemed…

46. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.17 Requirements for overdraft services."]

    § 1005.17 Requirements for overdraft services.

    § 1005.17 Requirements for overdraft services. (1) General. Except as provided under paragraph (c) of this section, a financial institution holding a…

47. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.6 Liability of consumer for unauthorized transfers."]

    § 1005.6 Liability of consumer for unauthorized transfers.

    § 1005.6 Liability of consumer for unauthorized transfers. (3) Periodic statement; timely notice not given. A consumer must report an unauthorized electronic…

48. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart B—Requirements for Remittance Transfers", "§ 1005.32 Estimates."]

    § 1005.32 Estimates.

    § 1005.32 Estimates. (2)(i) of this section only if the exchange rate is also estimated under paragraph (b) (2)(i) of this section and the estimated exchange…

49. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.17 Requirements for overdraft services."]

    § 1005.17 Requirements for overdraft services.

    § 1005.17 Requirements for overdraft services. (3) Same account terms, conditions, and features. A financial institution shall provide to consumers who do not…

50. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.15 Electronic fund transfer of government benefits."]

    § 1005.15 Electronic fund transfer of government benefits.

    § 1005.15 Electronic fund transfer of government benefits. (2)(i) through (iv). (ii) Statement regarding state-required information or other fee discounts and…

51. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.18 Requirements for financial institutions offering prepaid accounts."]

    § 1005.18 Requirements for financial institutions offering prepaid accounts.

    § 1005.18 Requirements for financial institutions offering prepaid accounts. (1) of this section, a financial institution shall provide a disclosure setting…

52. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart B—Requirements for Remittance Transfers", "§ 1005.30 Remittance transfer definitions."]

    § 1005.30 Remittance transfer definitions.

    § 1005.30 Remittance transfer definitions. (2) determines that, as of a particular date, it will qualify for the safe harbor, it may cease complying with the…

53. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.2 Definitions."]

    § 1005.2 Definitions.

    § 1005.2 Definitions. (4) A general-use prepaid card as defined in § 1005.20(a) (3) and (b) that is both marketed and labeled as a gift card or gift…

54. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.9 Receipts at electronic terminals; periodic statements."]

    § 1005.9 Receipts at electronic terminals; periodic statements.

    § 1005.9 Receipts at electronic terminals; periodic statements. (5) Address and telephone number for inquiries. The address and telephone number to be used for…

55. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.14 Electronic fund transfer service provider not holding consumer's account."]

    § 1005.14 Electronic fund transfer service provider not holding consumer's account.

    § 1005.14 Electronic fund transfer service provider not holding consumer's account. (2)(ii). If an overdraft results, the service provider shall promptly…

56. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.20 Requirements for gift cards and gift certificates."]

    § 1005.20 Requirements for gift cards and gift certificates.

    § 1005.20 Requirements for gift cards and gift certificates. (6) Service fee. The term “service fee” means a periodic fee for holding or use of a gift…

57. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.12 Relation to other laws."]

    § 1005.12 Relation to other laws.

    § 1005.12 Relation to other laws. involves credit extended through a negative balance to the asset feature of a prepaid account that meets the conditions set…

58. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart B—Requirements for Remittance Transfers", "§ 1005.33 Procedures for resolving errors."]

    § 1005.33 Procedures for resolving errors.

    § 1005.33 Procedures for resolving errors. (1)(iv) of this section; (ii) A request for information for tax or other recordkeeping purposes; (iii) A change…

59. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart B—Requirements for Remittance Transfers", "§ 1005.36 Transfers scheduled before the date of transfer."]

    § 1005.36 Transfers scheduled before the date of transfer.

    § 1005.36 Transfers scheduled before the date of transfer. (2)(i) of this section must be accurate as of when such transfer is made, except: (i) The temporal…

60. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.10 Preauthorized transfers."]

    § 1005.10 Preauthorized transfers.

    § 1005.10 Preauthorized transfers. (1) Credit. No financial institution or other person may condition an extension of credit to a consumer on the consumer's…

61. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.3 Coverage."]

    § 1005.3 Coverage.

    § 1005.3 Coverage. (3) Collection of returned item fees via electronic fund transfer—(i) General. The person initiating an electronic fund transfer to collect…

62. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.19 Internet posting of prepaid account agreements."]

    § 1005.19 Internet posting of prepaid account agreements.

    § 1005.19 Internet posting of prepaid account agreements. (1)(ii) through (iv) of this section. Each submission must contain: (i) Identifying information about…

63. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart B—Requirements for Remittance Transfers", "§ 1005.31 Disclosures."]

    § 1005.31 Disclosures.

    § 1005.31 Disclosures. (1) Pre-payment disclosure. A remittance transfer provider must disclose to a sender, as applicable: (i) The amount that will be…

64. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.11 Procedures for resolving errors."]

    § 1005.11 Procedures for resolving errors.

    § 1005.11 Procedures for resolving errors. (1) Ten-day period. A financial institution shall investigate promptly and, except as otherwise provided in this…

65. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart B—Requirements for Remittance Transfers", "§ 1005.31 Disclosures."]

    § 1005.31 Disclosures.

    § 1005.31 Disclosures. (1)(iv) of this section, including an estimated exchange rate to the extent permitted by § 1005.32, prior to any rounding of the…

66. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.3 Coverage."]

    § 1005.3 Coverage.

    § 1005.3 Coverage. (3)(i) of this section in a prominent and conspicuous location. The person also must either provide the consumer with a copy of the posted…

67. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.11 Procedures for resolving errors."]

    § 1005.11 Procedures for resolving errors.

    § 1005.11 Procedures for resolving errors. (2) Forty-five day period. If the financial institution is unable to complete its investigation within 10 business…

68. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.15 Electronic fund transfer of government benefits."]

    § 1005.15 Electronic fund transfer of government benefits.

    § 1005.15 Electronic fund transfer of government benefits. (1) Periodic statement alternative. A government agency need not furnish periodic statements…

69. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.19 Internet posting of prepaid account agreements."]

    § 1005.19 Internet posting of prepaid account agreements.

    § 1005.19 Internet posting of prepaid account agreements. (2)(i) of this section, an issuer may delay submitting a change to the list of names of other…

70. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart B—Requirements for Remittance Transfers", "§ 1005.32 Estimates."]

    § 1005.32 Estimates.

    § 1005.32 Estimates. (3) of this section; (B) At the time the insured institution must provide, as applicable, the disclosure required by § 1005.31(b) (1)…

71. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.18 Requirements for financial institutions offering prepaid accounts."]

    § 1005.18 Requirements for financial institutions offering prepaid accounts.

    § 1005.18 Requirements for financial institutions offering prepaid accounts. using the term “Customer service” or a substantially similar term, and “automated”…

72. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.12 Relation to other laws."]

    § 1005.12 Relation to other laws.

    § 1005.12 Relation to other laws. (2) Standards for determination. State law is inconsistent with the requirements of the Act and this part if state law: (i)…

73. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.20 Requirements for gift cards and gift certificates."]

    § 1005.20 Requirements for gift cards and gift certificates.

    § 1005.20 Requirements for gift cards and gift certificates. (1) Clear and conspicuous. Disclosures made under this section must be clear and conspicuous. The…

74. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart B—Requirements for Remittance Transfers", "§ 1005.36 Transfers scheduled before the date of transfer."]

    § 1005.36 Transfers scheduled before the date of transfer.

    § 1005.36 Transfers scheduled before the date of transfer. (2)(iv); and (C) The name, telephone number(s), and Web site of the remittance transfer provider…

75. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.9 Receipts at electronic terminals; periodic statements."]

    § 1005.9 Receipts at electronic terminals; periodic statements.

    § 1005.9 Receipts at electronic terminals; periodic statements. (2) of this section, but by no other type of electronic fund transfers, qualifies for the…

76. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.17 Requirements for overdraft services."]

    § 1005.17 Requirements for overdraft services.

    § 1005.17 Requirements for overdraft services. (2) Fees imposed. The dollar amount of any fees or charges assessed by the financial institution for paying an…

77. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart B—Requirements for Remittance Transfers", "§ 1005.33 Procedures for resolving errors."]

    § 1005.33 Procedures for resolving errors.

    § 1005.33 Procedures for resolving errors. (1)(v) of this section, the sender's notice of error is timely if received by the remittance transfer provider the…

78. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.2 Definitions."]

    § 1005.2 Definitions.

    § 1005.2 Definitions. 1376. (j) “Person” means a natural person or an organization, including a corporation, government agency, estate, trust, partnership…

79. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart B—Requirements for Remittance Transfers", "§ 1005.36 Transfers scheduled before the date of transfer."]

    § 1005.36 Transfers scheduled before the date of transfer.

    § 1005.36 Transfers scheduled before the date of transfer. (1)(i)(A) of this section generally must be disclosed in close proximity to the other information…

80. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.15 Electronic fund transfer of government benefits."]

    § 1005.15 Electronic fund transfer of government benefits.

    § 1005.15 Electronic fund transfer of government benefits. (1) Initial disclosures. The agency shall modify the disclosures under § 1005.7(b) by disclosing…

81. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.19 Internet posting of prepaid account agreements."]

    § 1005.19 Internet posting of prepaid account agreements.

    § 1005.19 Internet posting of prepaid account agreements. (4) De minimis exception. (i) An issuer is not required to submit any prepaid account agreements to…

82. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.17 Requirements for overdraft services."]

    § 1005.17 Requirements for overdraft services.

    § 1005.17 Requirements for overdraft services. (6) Permitted modifications and additional content. If applicable, the institution may modify the content…

83. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.20 Requirements for gift cards and gift certificates."]

    § 1005.20 Requirements for gift cards and gift certificates.

    § 1005.20 Requirements for gift cards and gift certificates. (2) of this section must be made on the certificate or card, or in the case of a loyalty, award…

84. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.18 Requirements for financial institutions offering prepaid accounts."]

    § 1005.18 Requirements for financial institutions offering prepaid accounts.

    § 1005.18 Requirements for financial institutions offering prepaid accounts. (2)(ix) of this section, a statement directing consumers to that disclosure…

85. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart B—Requirements for Remittance Transfers", "§ 1005.31 Disclosures."]

    § 1005.31 Disclosures.

    § 1005.31 Disclosures. (1)(vii) of this section. A provider may only include this statement to the extent that such fees or taxes do or may apply to the…

86. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.11 Procedures for resolving errors."]

    § 1005.11 Procedures for resolving errors.

    § 1005.11 Procedures for resolving errors. (2) of this section are extended as follows: (i) The applicable time is 20 business days in place of 10 business…

87. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.12 Relation to other laws."]

    § 1005.12 Relation to other laws.

    § 1005.12 Relation to other laws. (2) Exception. To assure that the Federal and state courts continue to have concurrent jurisdiction, and to aid in…

88. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart B—Requirements for Remittance Transfers", "§ 1005.33 Procedures for resolving errors."]

    § 1005.33 Procedures for resolving errors.

    § 1005.33 Procedures for resolving errors. (2)(iii) of this section, in the case of an error under paragraph (a) (1)(iv) of this section (A) As applicable…

89. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.3 Coverage."]

    § 1005.3 Coverage.

    § 1005.3 Coverage. (4) Securities and commodities transfers. Any transfer of funds the primary purpose of which is the purchase or sale of a security or…

90. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart B—Requirements for Remittance Transfers", "§ 1005.32 Estimates."]

    § 1005.32 Estimates.

    § 1005.32 Estimates. (3) of this section; (B) At the time the insured institution must provide, as applicable, the disclosure required by § 1005.31(b) (1)…

91. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.20 Requirements for gift cards and gift certificates."]

    § 1005.20 Requirements for gift cards and gift certificates.

    § 1005.20 Requirements for gift cards and gift certificates. (3) Not more than one dormancy, inactivity, or service fee is imposed in any given calendar month…

92. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.17 Requirements for overdraft services."]

    § 1005.17 Requirements for overdraft services.

    § 1005.17 Requirements for overdraft services. (1)(i) of this section. A consumer may also revoke consent at any time in the manner made available to the…

93. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart B—Requirements for Remittance Transfers", "§ 1005.31 Disclosures."]

    § 1005.31 Disclosures.

    § 1005.31 Disclosures. (1)(i) through (viii) of this section; (ii) The date in the foreign country on which funds will be available to the designated…

94. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.3 Coverage."]

    § 1005.3 Coverage.

    § 1005.3 Coverage. (7) Small institutions. Any preauthorized transfer to or from an account if the assets of the account-holding financial institution were…

95. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.11 Procedures for resolving errors."]

    § 1005.11 Procedures for resolving errors.

    § 1005.11 Procedures for resolving errors. (1) Written explanation. The institution's report of the results of its investigation shall include a written…

96. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.15 Electronic fund transfer of government benefits."]

    § 1005.15 Electronic fund transfer of government benefits.

    § 1005.15 Electronic fund transfer of government benefits. (3), the 60-day period for reporting any unauthorized transfer shall begin on the earlier of: (A)…

97. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.19 Internet posting of prepaid account agreements."]

    § 1005.19 Internet posting of prepaid account agreements.

    § 1005.19 Internet posting of prepaid account agreements. (5)(i)(A) through (C) of this section as of the last day of the calendar quarter, the issuer must…

98. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.18 Requirements for financial institutions offering prepaid accounts."]

    § 1005.18 Requirements for financial institutions offering prepaid accounts.

    § 1005.18 Requirements for financial institutions offering prepaid accounts. (2)(ix)(A) of this section is not required to make a disclosure under this…

99. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart B—Requirements for Remittance Transfers", "§ 1005.32 Estimates."]

    § 1005.32 Estimates.

    § 1005.32 Estimates. (5) of this section must be based on the below-listed approach or approaches, except as otherwise permitted by this paragraph. If a…

100. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart B—Requirements for Remittance Transfers", "§ 1005.33 Procedures for resolving errors."]

     § 1005.33 Procedures for resolving errors.

     § 1005.33 Procedures for resolving errors. (1) of this section except that the provider may agree to the sender's request, upon receiving the results of the…

101. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.19 Internet posting of prepaid account agreements."]

     § 1005.19 Internet posting of prepaid account agreements.

     § 1005.19 Internet posting of prepaid account agreements. (4) Documents that may be sent to the consumer along with the prepaid account or prepaid account…

102. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart B—Requirements for Remittance Transfers", "§ 1005.31 Disclosures."]

     § 1005.31 Disclosures.

     § 1005.31 Disclosures. any remittance transfer scheduled by the sender at least three business days before the date of the transfer, or the first transfer in a…

103. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.15 Electronic fund transfer of government benefits."]

     § 1005.15 Electronic fund transfer of government benefits.

     § 1005.15 Electronic fund transfer of government benefits. (4)(i) of this section, an agency complies with the requirements for resolving errors in § 1005.11…

104. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart B—Requirements for Remittance Transfers", "§ 1005.32 Estimates."]

     § 1005.32 Estimates.

     § 1005.32 Estimates. (3) Covered third-party fees—(i) Imposed as percentage of amount transferred. In disclosing covered third-party fees, as described under §…

105. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.20 Requirements for gift cards and gift certificates."]

     § 1005.20 Requirements for gift cards and gift certificates.

     § 1005.20 Requirements for gift cards and gift certificates. (3) The following disclosures are provided on the certificate or card, as applicable: (i) The…

106. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.18 Requirements for financial institutions offering prepaid accounts."]

     § 1005.18 Requirements for financial institutions offering prepaid accounts.

     § 1005.18 Requirements for financial institutions offering prepaid accounts. (1) of this section. If a financial institution only charges one fee under a…

107. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart B—Requirements for Remittance Transfers", "§ 1005.33 Procedures for resolving errors."]

     § 1005.33 Procedures for resolving errors.

     § 1005.33 Procedures for resolving errors. (2) Copies of documentation. Upon the sender's request, the remittance transfer provider shall promptly provide…

108. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.18 Requirements for financial institutions offering prepaid accounts."]

     § 1005.18 Requirements for financial institutions offering prepaid accounts.

     § 1005.18 Requirements for financial institutions offering prepaid accounts. (3) New prepaid account programs created on or after April 1, 2019. For a prepaid…

109. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart B—Requirements for Remittance Transfers", "§ 1005.31 Disclosures."]

     § 1005.31 Disclosures.

     § 1005.31 Disclosures. (4) Long form error resolution and cancellation notice. Upon the sender's request, a remittance transfer provider must promptly provide…

110. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart B—Requirements for Remittance Transfers", "§ 1005.32 Estimates."]

     § 1005.32 Estimates.

     § 1005.32 Estimates. (1) of this section, the provider is deemed to be in compliance with this paragraph regardless of the amount received by the designated…

111. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.19 Internet posting of prepaid account agreements."]

     § 1005.19 Internet posting of prepaid account agreements.

     § 1005.19 Internet posting of prepaid account agreements. (3) The issuer must post and update the agreements posted on its Web site pursuant to this paragraph…

112. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.20 Requirements for gift cards and gift certificates."]

     § 1005.20 Requirements for gift cards and gift certificates.

     § 1005.20 Requirements for gift cards and gift certificates. (2) of this section), the following information must be provided on or with the certificate or…

113. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart B—Requirements for Remittance Transfers", "§ 1005.31 Disclosures."]

     § 1005.31 Disclosures.

     § 1005.31 Disclosures. (1)(vii) of this section. Disclosures provided via mobile application or text message, to the extent permitted by paragraph (a) (5) of…

114. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.18 Requirements for financial institutions offering prepaid accounts."]

     § 1005.18 Requirements for financial institutions offering prepaid accounts.

     § 1005.18 Requirements for financial institutions offering prepaid accounts. (2)(ix) for the 24 months following implementation of the fee schedule change. If…

115. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.20 Requirements for gift cards and gift certificates."]

     § 1005.20 Requirements for gift cards and gift certificates.

     § 1005.20 Requirements for gift cards and gift certificates. (3), and (f) of this section is January 31, 2011, provided that an issuer of such certificate or…

116. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart B—Requirements for Remittance Transfers", "§ 1005.33 Procedures for resolving errors."]

     § 1005.33 Procedures for resolving errors.

     § 1005.33 Procedures for resolving errors. (1) of this section shall include policies and procedures regarding the retention of documentation related to error…

117. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.19 Internet posting of prepaid account agreements."]

     § 1005.19 Internet posting of prepaid account agreements.

     § 1005.19 Internet posting of prepaid account agreements. (6) of this section. (ii) If the issuer posts an agreement on its Web site under paragraph (d) (1)(i)…

118. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart B—Requirements for Remittance Transfers", "§ 1005.31 Disclosures."]

     § 1005.31 Disclosures.

     § 1005.31 Disclosures. (1) Except as provided in § 1005.36(a), a pre-payment disclosure required by paragraph (b) (1) of this section or a combined disclosure…

119. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.18 Requirements for financial institutions offering prepaid accounts."]

     § 1005.18 Requirements for financial institutions offering prepaid accounts.

     § 1005.18 Requirements for financial institutions offering prepaid accounts. (3) of this section. (x) Statement regarding overdraft credit features. If a…

120. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart B—Requirements for Remittance Transfers", "§ 1005.33 Procedures for resolving errors."]

     § 1005.33 Procedures for resolving errors.

     § 1005.33 Procedures for resolving errors. (2) applies to this notice unless the notice is given at the same time as other disclosures required by this subpart…

121. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.19 Internet posting of prepaid account agreements."]

     § 1005.19 Internet posting of prepaid account agreements.

     § 1005.19 Internet posting of prepaid account agreements. (1)(ii) of this section must be provided by the issuer in paper form, unless the consumer agrees to…

122. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart B—Requirements for Remittance Transfers", "§ 1005.31 Disclosures."]

     § 1005.31 Disclosures.

     § 1005.31 Disclosures. (1)(viii) of this section must be accurate when a sender makes payment for the remittance transfer, except to the extent estimates are…

123. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.18 Requirements for financial institutions offering prepaid accounts."]

     § 1005.18 Requirements for financial institutions offering prepaid accounts.

     § 1005.18 Requirements for financial institutions offering prepaid accounts. occur before the account is opened, using the following clause or a substantially…

124. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart B—Requirements for Remittance Transfers", "§ 1005.31 Disclosures."]

     § 1005.31 Disclosures.

     § 1005.31 Disclosures. (4) of this section for error resolution purposes shall be made in the language primarily used by the sender with the remittance…

125. ["Title 12", "PART 1005—ELECTRONIC FUND TRANSFERS (REGULATION E)", "Subpart A—General", "§ 1005.18 Requirements for financial institutions offering prepaid accounts."]

     § 1005.18 Requirements for financial institutions offering prepaid accounts.

     § 1005.18 Requirements for financial institutions offering prepaid accounts. (b) (4) of this section to find details and conditions for all fees and services…

Headings and opening words only; the full text is on ecfr.gov, which is authoritative. The library holds the version current as of the date shown. AI output is not legal advice — consult a licensed lawyer in the relevant jurisdiction.