Statute
Regulation E
92 published works
InsureReinsure
Join Us for Our Next InsurTech Legal Academy Webinar: Regulation of Payments for InsurTechs
By Brian Casey, Zachary Lerner, Mark Furletti, Carlin McCrory
Please join us on our next InsurTech Legal Academy webinar for key topics addressing what InsurTechs need to know about U.S. payment laws in the everchanging payment systems environment. This…
Regulatory Oversight
How Payments Law Landscape Will Evolve In 2026
By Ethan G. Ostroff, Jason Cover, Carlin McCrory
This article was originally published on Law360 and is republished here with permission as it originally appeared on January 22, 2026. Since the change in administration last year, much has…
Iowa Banking Law Blog
New Reg E Liability: The AI Bought That, Not Me!
By jlandedickinsonbradshaw-com-dickinson-bradshaw
Artificial intelligence (“AI”) tools are expanding into every aspect of consumers’ daily lives. That proliferation has the potential to dramatically increase bank liability under the Electronic Funds Transfer Act (“EFTA”)…
Consumer Finance Monitor
CFPB Spring 2025 Regulatory Agenda – Final Rule Stage – Remittance Transfer Rule (Regulation E)
The CFPB announced in its Spring 2025 Regulatory Agenda that it will be finalizing amendments to the Remittance Transfer Rule under Regulation E, which implements the Electronic Funds Transfer Act…
Consumer Financial Services Law Monitor
CFPB Renews Attempt to Regulate Crypto by Applying Reg E to Stablecoins and Other Digital Payment Mechanisms
By Carlin McCrory, Ethan G. Ostroff
On January 10, the Consumer Financial Protection Bureau (Bureau) issued a notice of proposed interpretive rule (Proposed Rule). The deadline for comments is March 31, 2025. The Proposed Rule would…
Consumer Financial Services Law Monitor
CFPB Finalizes Rule on Overdraft Fees for Large Financial Institutions
By Joseph Reilly, Lori Sommerfield, Glen Trudel, Chris Willis, Carlin McCrory
On December 12, the Consumer Financial Protection Bureau (CFPB or Bureau) announced the finalization of its rule addressing overdraft fees. The rule targets financial institutions with more than $10 billion…
Consumer Finance Monitor
CFPB proposes ‘narrow’ amendment to disclosure requirements for international remittances and money transfers
By Ronald K. Vaske, Kristen E. Larson, Ballard CFS Group
The CFPB has issued a proposed rule with a small amendment to disclosure requirements for certain international remittances and money transfers. The bureau is seeking public comments on a proposed…
Consumer Finance and Fintech Blog
CFPB Revises Disclosure Requirements for Remittance Providers
By A.J. Dhaliwal, Mehul Madia, Maxwell Earp-Thomas
On September 20, the CFPB announced a proposed rule which would make a minor yet noteworthy amendment to the guidelines for the disclosures that remittance providers are required to provide…
Consumer Finance and Fintech Blog
CFPB Issues Circular Warning Against Overdraft Practices
By A.J. Dhaliwal, Mehul Madia, Beineng Zhang
On September 17, the CFPB issued a circular stating that financial institutions can be found liable for violating the Electronic Funds Transfer Act by charging overdraft fees if the there…
Consumer Finance Monitor
CFPB Reminds Financial Institutions to Retain Records of Affirmative Consent for Overdraft Opt-in
By Kristen E. Larson, John L. Culhane, Jr., Ronald K. Vaske, Ballard CFS Group
On September 17, 2024, the CFPB issued Consumer Financial Protection Circular 2024-05 on improper overdraft practices. The circular reminded financial institutions of their obligation to retain records that prove the…